Health is Wealth Consciousness, Salinas Drive, Lahug, Cebu City (2026)

20/06/2025

The best Longterm Healthcare Program ang KAISER! Why?

☑️All-in-one healthcare coverage, savings, emergency fund, and insurance;
☑️Affordable Premium depends on your age.
☑️Renewal is guaranteed.
☑️Flexible payment option (Annual, Semi Annual, Quarterly or Monthly)
☑️Fix the premium and does not increase until finished
☑️7 years paying period only but you are protected until you get old.
☑️If not used within the 7 years of paying period it will accumulate with interest that you can get a lot during the mature period.
☑️It's a perfect addition to your existing insurances or healthcare and it's also perfect to start for those who don't have insurance or healthcare program.
☑️ Ideal for OFW, Freelance, Business Owner, Seafarer who doesn't have a Retirement program set up yet.
☑️You can take it no matter where in the world you are.

At our old age, we no longer have company benefits and can't go abroad. Nowadays the pain is coming out more often. Who will catch you in this situation?

Kaiser Longterm Healthcare will be with you as you grow old. Kaiser's pet! Take care of yourself, Brother!

Message me for details

31/05/2025

The most important financial product you need to have today is HEALTHCARE.

We all know that...
👉 PhilHealth is not enough.
👉 Short-term healthcare is not enough.

We all know that...
👉 VUL is not a healthcare plan.
👉 Hospital Income is not a healthcare plan.
👉 Critical Illness is not a healthcare plan.

We all know that...
👉 Asking for help on Facebook is not enough.
👉 Soliciting is not enough.

You might end up selling your properties, withdrawing all your money, acquire a lot of debt just to pay the hospital bills.

That's why it's very important to start building up your long-term healthcare savings starting today.

Kaiser Long Term Care

A 3in1 savings program that has healthcare, life insurance and investment. You only need to save for 7 years and you're lifetime covered with healthcare.

✅ If you think healthcare is expensive, try getting sick without it.

✅ Iba pa rin kapag may peace of mind... And you don't want to become a burden to your family and friends, right?
Time is our greatest ally in building wealth 🙋🏻‍♀️

A lot of older people are playing catch up saying "bakit ngayon ko lang nalaman ang tungkol dito, andami ko nang pera na nasayang."

Start today, while you still can. ❤️👌🇵🇭
Ask me how😊🤗🙋‍♀️

17/10/2023

Mahaba pero worth it na maintindihan.

May dalawang nagtanong kung VUL ba ang Kaiser Ultimate Health Builder.

Medyo nakakatawa ang tanong, pero baka nalito lang ang nagtatanong, kasi ang comparable lang ay ang rough description:

✅️ VUL is 2-in-1 life insurance + investment
✅️ Kaiser Ultimate is 3-in-1 healthcare + life insurance + investment
Specifically, ang Kaiser Ultimate ay 3-in-1 solution na:
✅️ Healthcare "if you get sick"
✅️ Life Insurance "if you die too soon"
✅️ Investment "if you live long"

Hindi comparable ang healthcare solution sa insurance solution.

Sa karamihan ng details, magkaiba sila:

1. Ang Kaiser Ultimate ay long term health care solution, na offered ng HMO company. Ang VUL ay life insurance solution na offered ng life insurance company.

2. Sa Kaiser, kapag sinabi na pay 7 years, ang ibig sabihin magbayad ng 7 years at SIGURADO fully paid na. Sa VUL pag sinabi na pay 10 years, ang ibig sabihin, magbayad ng 10 years, at SIGURO bayad na - Maaring kailangan magbayad ng dagdag.

3. Ang Kaiser Ultimate ay may fixed contract price, at dahil maaaring maging fully-paid, nag-i-issue ng certificate of full payment. Ang VUL ay never napu-fully paid, kaya walang certificate of full payment.

4. Ang Kaiser after ma-fully pay, ay may SIGURADONG cash value hanggang hindi terminated. Ang VUL ay hindi napu-fully pay, at walang guaranteed cash value. SIGURO may cash value at maaaring maubos dahil sa insurance charges.

5. Ang Kaiser health fund ay may SIGURADONG growth na 3% to 10%, pero usually 10%. Ang VUL, walang guaranteed growth, minsan negative.

6. Sa Kaiser, SIGURADO WALA nang fees at charges after 7 years. Ang VUL, SIGURADONG MAYROON insurance charges habambuhay.

7. Sa Kaiser, pareho lang ang bayad ng 10 year old sa 60 year old sa eligible plans. Sa VUL, mas mahal ang bayad ng 60 year old sa 0 year old. Sa 50-60 year old, baka mas murang life insurance ang Kaiser kaysa VUL 🙂

8. Ang Kaiser Ultimate, laging may healthcare, ang VUL usually walang healthcare.

Hindi talaga comparable ang Kaiser Ultimate Health Builder at VUL.

For more details: m.me/coachsanito.espanol

17/10/2023

Mahaba pero worth it na maintindihan.

May dalawang nagtanong kung VUL ba ang Kaiser Ultimate Health Builder.

Medyo nakakatawa ang tanong, pero baka nalito lang ang nagtatanong, kasi ang comparable lang ay ang rough description:

✅️ VUL is 2-in-1 life insurance + investment
✅️ Kaiser Ultimate is 3-in-1 healthcare + life insurance + investment
Specifically, ang Kaiser Ultimate ay 3-in-1 solution na:
✅️ Healthcare "if you get sick"
✅️ Life Insurance "if you die too soon"
✅️ Investment "if you live long"

Hindi comparable ang healthcare solution sa insurance solution.

Sa karamihan ng details, magkaiba sila:

1. Ang Kaiser Ultimate ay long term health care solution, na offered ng HMO company. Ang VUL ay life insurance solution na offered ng life insurance company.

2. Sa Kaiser, kapag sinabi na pay 7 years, ang ibig sabihin magbayad ng 7 years at SIGURADO fully paid na. Sa VUL pag sinabi na pay 10 years, ang ibig sabihin, magbayad ng 10 years, at SIGURO bayad na - Maaring kailangan magbayad ng dagdag.

3. Ang Kaiser Ultimate ay may fixed contract price, at dahil maaaring maging fully-paid, nag-i-issue ng certificate of full payment. Ang VUL ay never napu-fully paid, kaya walang certificate of full payment.

4. Ang Kaiser after ma-fully pay, ay may SIGURADONG cash value hanggang hindi terminated. Ang VUL ay hindi napu-fully pay, at walang guaranteed cash value. SIGURO may cash value at maaaring maubos dahil sa insurance charges.

5. Ang Kaiser health fund ay may SIGURADONG growth na 3% to 10%, pero usually 10%. Ang VUL, walang guaranteed growth, minsan negative.

6. Sa Kaiser, SIGURADO WALA nang fees at charges after 7 years. Ang VUL, SIGURADONG MAYROON insurance charges habambuhay.

7. Sa Kaiser, pareho lang ang bayad ng 10 year old sa 60 year old sa eligible plans. Sa VUL, mas mahal ang bayad ng 60 year old sa 0 year old. Sa 50-60 year old, baka mas murang life insurance ang Kaiser kaysa VUL 🙂

8. Ang Kaiser Ultimate, laging may healthcare, ang VUL usually walang healthcare.

Hindi talaga comparable ang Kaiser Ultimate at VUL.

For more details: m.me/coachsanito.espanol

16/09/2023

Kotse o KAISER? I-breakdown natin.

KOTSE (Ordinary Sedan)
8,000 down payment
16,000 monthly x 5 years = 960,000
15,000 quarterly maintenance x 3years (let’s say 3 years ka lang nag maintenance) = 90,000
11,000 yearly insurance x 3 years (let’s say 3 years mo lang ininsure ang kotse) = 33,000
1,000 1 month gas allowance x 12 x 5 years=60,000

Note: Tanggalin na natin ang carwash, parking fee and other dagdag expenses.

TOTAL EXPENSES FOR 5 years. =
1,151,000 (One Million One hundred fifty one pesos)

QUESTION: Ganito pa ba ang Value ng Kotse natin after 5 years?

Let’s compare it kunyari kukuha tayo ng HEALTH Savings Fund sa KAISER HMO.

For example: Pinakamababang Policy.
2,647 pesos per month x 7 years = 222,348
500 policy fee x 7 years = 3,500

TOTAL EXPENSES FOR 7 years:
225,848 (Two hundred twenty five and eight hundred forty eight pesos)

Inclusion:
HMO for 7 Years
TermLife Insurance for 20 years
Return of INVESTMENT Upon Maturity on the 20th year = 525,000 (Five Hundred twenty five thousand pesos)

Kung hindi mo pa kukunin ang pera kapag nagmature ito, pwede pa rin itong lumago up-to 3.5MILLION Pesos at age 65.

Note: Computation is based on 25-yr. old Individual.

QUESTION: MAGANDA BA? LUMAGO BA ANG INIPON MO? MAY PROTEKSYON KA BA?
Alam mo ba na pwede mo pa itong maipamana? OO. Pwedeng-pwede. 💯👍🏼

DISCLAIMER: WALANG MASAMA BUMILI NG KOTSE. LALO NA GUSTO NATIN ‘YAN AT MAY KAKAYAHAN TAYO MAGBAYAD. Binibigyan ko lang po kayo ng good perspective, na pwedeng-pwede natin iconsider.

At the end of the day, the decision is yours. What i am telling you is, NAPAKAHALAGA NG HEALTHCARE. At Dapat HEALTHCARE na may savings. Yung nagbabayad ka, maospital ka man o hindi, lumalago pa rin ang pera mo. Walang nasasayang. At KAISER nga po ‘yon. 😉💯✅💙💚
Ccttoo

16/09/2023

Kung gusto mong magkaroon ng magandang healthcare protection alalahin itong iniendorso ni Daniel Padilla kasi nasa kanya na ang lahat!👍✌️👏

https://fb.watch/n4NKSu7tJs/?mibextid=NnVzG8&startTimeMs=25182

01/12/2022

If you are a breadwinner or if someone is dependent on your income, 𝗗𝗢 𝗡𝗢𝗧 𝗜𝗚𝗡𝗢𝗥𝗘 discussing the topic of insurance, security and protection.❤ This is the best way to show your love!❤️👍❤️

09/09/2022

"Ganon pala kaganda si Kaiser. Ang friend ko last year kelangan ihospital pero sa panahong yon punong-puno ang hospital. Nong sinabihan nila na meron silang Kaiser, sinabi na merong vacant. Kaya lang di pala natin alam na 6 months lang pala ang buhay nya.
Iba pala ang feeling pag may matulungan na pamilya. Nag text si Kaiser kanina sa asawa na meron daw silang matatanggap.

***
Ang puso ng IMG missionary. Gusto mong tulongan ang pamilya habangbuhay hindi dahil buhay pa sila kundi ang pamilya din nila mabubuhay pa ng maayos.

09/09/2022

SAAN AABOT ANG 20 PESOS MO?
Pantaya sa lotto?
Pambili ng kape? Softdrinks? Sigarilyo?
Alam mo ba na kapag sinave mo yan, pwede mo na iinvest sa Mutual funds at automatic investor kana rin ng iba't ibang companies katulad ng Jollibee, SM, BDO and etc.
Yes! This is possible basta IMG member ka!

https://m.me/coachsanito.espanol

08/06/2022

MGA KARANIWANG MALING PANINIWALA O KAUGALIAN NG MGA PILIPINO:

👉 Bilang siya ang naghahanapbuhay o "breadwinner" ng pamilya, PAANO kung dumating ang araw at BIGLAAN ang iyong PAGKAKASAKIT?
👉 NAISIP mo bang APEKTADO ang iyong pamilya kapag me nangyari saiyo?

REALIDAD NG BUHAY....
✅️ Kadalasan kapag nakarinig ng salitang "insurance o health insurance" kaagad agad ito ang mga karaniwang isasagot saiyo:

"SAKA na lang ako kukuha nyan...
📍 Malakas pa naman ako;
📍 Uunahin ko muna ang pagpapagawa ng bahay;
📍 Me hinuhulugan pa akong sasakyan; at,
📍 Patatapusin ko muna ng pag-aaral ng anak ko

👉NANG BIGLANG NAGKASAKIT😪
"Kailangang maibenta ang bahay, lupa at hinuhulugang sasakyan? BAHALA NA! Kahit mura, ang mahalaga ay may maipambayad sa ospital!" Pati ang pag-aaral ng anak ay naapektuhan.

🤔TANONG: Nakapagpundar ka nga ba?
(Pag-isipan mo yan )

ITO ANG TAMA:
✅️ Unahin ang dapat unahin sa pagtatatag ng kabuhayan.
✅️ Kailangang me seguridad muna.
✅️ Matuto nang tamang PAG- IIPON at PAG IINVEST.
✅️ Mag karoon ng Financial Literacy dahil yan ang sagot sa lahat nang yan.

Build it RIGHT, built IT STRONG!!!
Simulan mo na ngayon, habang malakas at kumikita ka pa.

Attend ka nang aming daily live financial coaching. Just message me for your guide and the zoom link❤️

Health is Wealth Consciousness

20/06/2025

31/05/2025

17/10/2023

17/10/2023

16/09/2023

16/09/2023

01/12/2022

09/09/2022

09/09/2022

08/06/2022

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