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The Tough One's Consultation Services

Assist people who wants to help themselves achieve Financial Security.

08/11/2026

When I presented to her Kaiser International Healthgroup ( HMO) way back 2019 , she know that whatever happens, she and her family will win.

But, her INCOME was so small left because she have UTANG na dapat bayaran and 2 son in college to support financially .She was so hesitant and in doubt baka hindi nya kayang bayaran at ipagpatuloy. But still she decided to go for it . Whatever your excuses now, she had that almost 7 years ago. She even had worse reasons than you do.

But, she decided to start. And she never failed saving for it every single month. Nagpapasalamat ako kay LORD GOD sa wisdom, sa blessings, sa strength during those times na she found it hard to pay it yet she provided solutions.

Last April, 2026 , finally she have FULLYPAID her PLAN! 👏Waiting for maturity nalang. Praise the Lord. 🙏 Ang bilis ng panahon.

When you do the IMG MISSION, you are pushed to succeed, to walk the talk and to give your family protection and a brighter future. Little did she know, Kaiser was just the starting point.

BIG BIG CONGRATULATIONS 🎉🥳👏my dear sissy Adzel B Galarde now secured ka n at ang family mo.
God Bless Us!

Be in the right environment. Have a winning mindset. You can do it because you love your family. Been there. 😉

If You want to start too. . .
Message me usap tayo...

05/11/2026

✈️ NEXT DESTINATION : MACAU! 🇲🇴✨

Sabi nga nila: Work hard, travel harder, and build your future while exploring the world! 🌍💚

Super excited and proud to be part of the upcoming IMG Summit 2026: Rise to Financial Freedom happening this November 15, 2026 at the world-class Galaxy International Convention Center in Macau! 🏛️✨

One of the best perks of being an International Marketing Group (IMG) member and financial advocate isn't just learning how to save, invest, and build a secure financial foundation for our families... it’s the incredible global travel opportunities! 🛫💼

Through IMG’s platform and travel privileges, we get to:

✅ Travel the World with Purpose — Attending international conventions, learning from global financial leaders, and expanding our vision! 📈🔥

✅ Reward Yourself for Helping Others — Experience world-class destinations while carrying out the mission of financial literacy! ❤️🤝

✅ Build Stronger Connections — Network and bond with fellow campaign members from all over the globe! 🌐👥
Sino bang mag-aakala na sa pagtuturo lang ng Financial Literacy, makakarating tayo sa iba't ibang sulok ng mundo? 🌟

Kaya sa 'yo na nangarap din mag-travel while building a solid financial future, THIS IS YOUR SIGN! Wag lang patulugin ang pera o ang pangarap — patrabahuin mo! 💸🚀
See you at Galaxy Macau! 🇲🇴✨

👇 Want to learn how you can start your own financial journey and travel the world with us?

📩 Send me a message or comment "MACAU 2026" below to learn more about IMG benefits! 📲👇

04/11/2026

Bonus season na.🎄💸Imbes na maubos lang sa Pasko, gawin mong pangmatagalan ang bonus mo. Kaiser 3in1 Savings Plan healthcare, life insurance, at investment, all in one. ₱88 a day, 7 years to pay only. Ipon na Walang Tapon. Perfect gift this Christmas para sa'yo at sa pamilya mo.
Bonus season na.🎄

💸Imbes na maubos lang sa Pasko, gawin mong pangmatagalan ang bonus mo. Kaiser 3in1 Savings Plan healthcare, life insurance, at investment, all in one. ₱88 a day, 7 years to pay only. Ipon na Walang Tapon. Perfect gift this Christmas para sa'yo at sa pamilya mo.

Message me for more details...
Coach Lorena AFP®

03/11/2026

💙 KAISER Plan K45, 3-IN-1 SAVINGS PLAN!
For ages 10–40, start planning your future with just 7 years of savings and 20 years of coverage!

✅ Healthcare
✅ Life Insurance
✅ Retirement Investment Component

📩 Message me to learn more!
Coach Lorena AFP®

゚

゚

02/11/2026

𝗕𝗮𝗸𝗶𝘁 𝗸𝗮𝗶𝗹𝗮𝗻𝗴𝗮𝗻 𝗺𝗼 𝗮𝗻𝗴 𝗞𝗮𝗶𝘀𝗲𝗿 𝗟𝗼𝗻𝗴𝘁𝗲𝗿𝗺 𝗛𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲 𝟯 𝗶𝗻 𝟭?
Bakit kailangan mo ng Kaiser Long Term Health Care 3 in 1????

1. Affordable Premium depende sa iyong age.
2. Flexible payment option (Annual, Semi Annual, Quarterly or Monthly)
3. 7 years investment period lang pero protected ka hanggang sa iyong pagtanda
4. Hindi mo man magamit dahil may healthcare ka from your company mas maganda dahil mas lumalaki ang savings mo at ang healthcare budget mo sa iyong pagtanda.
5. Pwede ka kumuha kahit nasaang panig ka man ng mundo.

Posibleng malakas ka ngayon, may healthcare ka pa,
Pero paano kaya kung retiro ka na, wala ka na rin sa kumpanya, hindi mo na kayang mag-abroad , pero sigurado naman sa iyong pagtanda siguradong madalas na ang pagkakasakit.
Ano kaya ang meron ka sa ganitong panahon at sitwasyon?

Message ka lang for your inquiry and quotation.. we can help you to have your Longterm healthcare.

31/10/2026

💛 ANG INSURANCE, HINDI LANG PARA SA SARILI MO, PARA RIN SA MGA TAONG MAHAL MO.

Minsan, iniisip natin na mahal ang insurance. Pero paano kung dumating ang panahong kailangan mo ng 24-hour care, panggamot, o pang-araw-araw na gastusin habang nagpapagaling?

Doon natin mas mauunawaan na ang insurance ay hindi lang basta bayarin. Isa itong paghahanda para sa mga hindi natin inaasahang pangyayari sa buhay gaya ng malalang sakit.

Tulad ng ibinahagi ni Kris Aquino, malaking tulong ang insurance sa pagharap sa mabibigat na gastusin sa kalusugan.

💛 Huwag nating hintaying dumating ang panahon na saka pa lang tayo maghahanda.

Bilang isang IMG Campaigner/Financial Educator, naniniwala ako na ang tunay na pagmamahal ay hindi lang nasusukat sa kung ano ang maibibigay natin ngayon, kundi pati sa proteksiyong maiiwan natin para sa ating pamilya.

✨ Ang tamang insurance, habang kaya pa at maaari pa, ay isang hakbang tungo sa mas panatag na kinabukasan.

📩 Gusto mong malaman kung anong proteksiyon ang angkop sa iyo at sa iyong pamilya?

Mag-message sa akin para mapag-usapan natin ang mga choices na pasok sa iyong pangangailangan at budget.

31/10/2026

Dahil napapanahon...

Hayaan mo na, kung iba yung pinili niya. Maging masaya ka na lang ulit ng hindi siya kasama...

Mag IMG ka
Mag-ipon ka.
Mag-invest ka.
Mag focus ka sa career.
Magbusiness ka.
Reach your goal.

USE THAT PAIN TO IMPROVE YOURSELF.
Para pag dumating ang tamang tao para sayo handa kana emotionally and FINANCIALLY.

゚

24/10/2026

READ: Mag-ipon ng 2,647 pesos kada buwan for seven year. Ito ay hindi kawalan. Ito ay pag-iipon na may HMO, Insurance at iba pang benepisyo. Ipon na walang tapon! Pera na lalago pagdating ng panahon. 😊💯💙

To know more about Kaiser?
Usap po tayo o kausapin na ang kilala niyong IMG Member dahil sigurado akong matutulungan rin nila kayo.

🇵🇭

24/10/2026

Kapag IMG member kana, be happy kasi may chance ka na maging katulad nila.
Huwag sayangin ang membership fee mo.
Dapat Pag-aralan mo kung ano ba talaga si IMG.
Kung ano ba talaga ang maitutulong nya sayo pati sa pamilya mo.
Marami din tayong mga benefits na makukuha dito.
At higit sa lahat, welcome po kahit anong estado pa ng buhay mo ngayon basta may ka lang at gusto mong matutupad ito.
Dito sa IMG hindi pera ang pinapakita namin sa Social Media para may mapasali kundi determinasyon at may puso na tumulong sa Kapwa upang maging Financially Literate din sila.

Be part of the 30 Million Filipino Families Financially Educated by 2030.

✍📖Learn,Earn and Save Invest

23/10/2026

Hanggang saan aabot ang 𝟴𝟴 𝗽𝗲𝘀𝗼𝘀 mo?
Mag-ipon lang ng 𝟳 years 𝗶𝗻 𝗼𝗻𝗲 𝗽𝗹𝗮𝗻. May 𝗛𝗘𝗔𝗟𝗧𝗛𝗖𝗔𝗥𝗘, 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 at 𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧 ka na.
The 𝗯𝗲𝘀𝘁 𝗶𝗽𝗼𝗻 na 𝘄𝗮𝗹𝗮𝗻𝗴 𝘁𝗮𝗽𝗼𝗻.
𝑯𝒐𝒘 𝑫𝒐𝒆𝒔 𝑲𝒂𝒊𝒔𝒆𝒓 𝑳𝒐𝒏𝒈-𝑻𝒆𝒓𝒎 𝑯𝒆𝒂𝒍𝒕𝒉𝒄𝒂𝒓𝒆 𝑾𝒐𝒓𝒌?
It’s a 3-in-1 product that solves the 3 major Financial Needs of Filipinos:
- LONG TERM HEALTHCARE
- DEATH AND ACCIDENT INSURANCE
- INVESTMENT
3 PHASES OF LONG-TERM CARE PERIOD:
1️⃣. 𝑨𝒄𝒄𝒖𝒎𝒖𝒍𝒂𝒕𝒊𝒐𝒏 𝑷𝒆𝒓𝒊𝒐𝒅 (7 𝒚𝒆𝒂𝒓𝒔)
You start saving for 7 years while getting the following benefits:
✔️- Free Annual Physical Exam
✔️- Free Dental Benefits
✔️- Waiver of Installment due to death
✔️- Transfer of investment to beneficiary if planholder dies
✔️- Waiver of Installment due to disability
✔️- Basic Medical Benefits
✔️- Member’s choice of room and board
✔️- Free Hospitalization with Annual Benefit Limit (starting at 50,000/year depending on the plan)
✔️- Life insurance equivalent to contract price
✔️- Accidental Death and Dismemberment for 20 years
✔️- Lifetime network access to over 500 major hospitals and pool of doctors.
2️⃣. 𝑬𝒙𝒕𝒆𝒏𝒅𝒆𝒅 𝑷𝒆𝒓𝒊𝒐𝒅 (13 𝒚𝒆𝒂𝒓𝒔)
As a health savings product, the funds are invested and allowed to grow at an average rate of 10% yearly. You stop paying and wait for the money to grow thru compounding interest. Kaiser invests in mutual funds handled by Soldivo and Rampver Financials. Benefits include:
✔- Same as the accumulation period but all health/hospital benefits will be deducted from your Kaiser fund.
✔- Additional Health Bonus when the market is at top performance
✔- All diseases covered including pre-existing conditions, critical illnesses, dreaded diseases, and maternity/childbirth.
3️⃣. 𝑳𝒐𝒏𝒈-𝒕𝒆𝒓𝒎 𝑪𝒂𝒓𝒆 𝑷𝒆𝒓𝒊𝒐𝒅 (𝒃𝒆𝒚𝒐𝒏𝒅 20 𝒚𝒆𝒂𝒓𝒔)
Upon maturity, the plan holder will receive the following benefits:
✔- Total accumulation of un-used health funds
✔- Guaranteed longterm care benefit or the plan coverage
✔- Long term care bonus (up to 85% RETURN of premiums/moneyback when no claims are made during the accumulation period or within the first 7yrs.
✔Additional health benefits when the market is at top performance.
✔ Receives visa card where the funds are deposited.
Options upon maturity:
- Withdraw all the money.
- Withdraw a portion/interest only and growth continues.
Retain all and let it grow at an average of 10% Yearly.
Kaiser covers your medical bills when you're sick. But when you're healthy, Kaiser saves and invests your money for future use.
This is NOT your traditional healthcare where you pay every year, but has no returns/savings when you don't get sick.
The Kaiser long term plan covers beyond 60yrs old & above based on the health funds accumulated.

Message me to assist you.
Kaiser

Address

New York House, 60 Connaught Road, Central, Hongkong
Hong Kong
852

Website

https://bit.ly/3ul6e39

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