John Michael Gozon Sapalo

John Michael Gozon Sapalo Certified Associate Financial Planner
Life License Insurance Underwriter

Saan aabot Ang PHP 6,000 mo this Holiday season ?ONE TIME LIFE TIME INVESTMENT โค For you and your Family Gusto mong mag ...
28/12/2025

Saan aabot Ang PHP 6,000 mo this Holiday season ?

ONE TIME LIFE TIME INVESTMENT โค For you and your Family

Gusto mong mag save at matutunan paano mag invest sa Stock Market?
Join IMG
Gusto mong magkaroon ng 100,000 accident Insurance?
Join IMG
Gusto mong magkaroon ng 50,000 Life insurance hanggang age 60.
Join IMG.
Gusto mong magkaroon ng FREE Unlimited Check up.
Discount sa Laboratory pati Family member mo may discount din? Join IMG
Gusto ng malaking discount pag bumili ka ng Brand New car?
Join IMG
Gusto mo ng discount pag nagpainsured ka ng sasakayan sa Non Life insurance?
Join IMG
Gusto mo ng 2 libreng Eye glasses Frame sa isang taon?
Join IMG
Gusto mong magkaroon ng Murang Life insurance na mataas ang coverage?
Join IMG
Gusto mong magkaroon ng LONG TERM HEALTHCARE?
Join IMG
Gusto mong matupad ang pangarap mo at pangarap mo sa pamilya mo?
Join IMG
Gusto mo bang makapag Travel around the world ng Libre?
JOIN IMG
Gusto mong mabago ang buhay mo?
Join IMG
Ano ang hinahanap mo para gumanda ang buhay mo at Future ng pamilya mo? Makikita mo yan sa IMG.

Tara usap tayo ๐Ÿ™‚
To know more about IMG. Message me.

Do you want to be a part of International Marketing Group (IMG)??To those who want to join, to learn and to invest. IMG ...
28/12/2025

Do you want to be a part of International Marketing Group (IMG)??

To those who want to join, to learn and to invest. IMG is the perfect marketing group for youโ˜บ๏ธ

โœ…Who is IMG??

๐ŸŒIMG is a community of savers and investors.
๐ŸŒIMG is a group of educators and financial education advocates
๐ŸŒIMG is a membership platform with many benefits, including access and discounts to many financial products.
๐ŸŒIMG is a school for continued financial education.
๐ŸŒIMG is a way to grow your income by helping other people save and invest.
๐ŸŒIMG helps everyone to have access to affordable financial solutions.
๐ŸŒIMG the company has been around for 20 years, and look at how we flourished!

OUR MISSION.
To help create wealth for families
To make a difference for families so there will be No family left behind.

WHAT WE DO.
We help people Move from Dreaming to Doing. We bring life-changing financial concepts and solutions to middle income individuals and families who are overlooked by the financial industry.
If you are interested to learn more about IMG and its Benefits, Attend our Free Financial education and Benefits Orientation Any time, Anywhere at your Free Time..

P.S. Be FINANCIALLY EDUCATED and DISCOVER the REAL WAY to INVEST and BUILD A SOLID FINANCIAL FUTURE! In IMG WE EDUCATE, WE CARE

TULOY-TULOY LANGUmulan man o umarawMabagal man ang daloy o humahatawTuloy-tuloy lang ang byahe, basta umaabanteAno man a...
11/12/2025

TULOY-TULOY LANG

Umulan man o umaraw

Mabagal man ang daloy o humahataw

Tuloy-tuloy lang ang byahe, basta umaabante

Ano man ang pasikot-sikot Minsan titigil, minsan ikot nang ikot Basta't tuloy lang ang biyahe Hangga't ika'y umaabante Mararating mo rin

๐ŸŽฏIto na ba ang hinihintay ninyo? Updated benefits na makukuha kapag IMG Member kaโ€”dahil ngayon, may sarili nang banko si...
09/10/2025

๐ŸŽฏIto na ba ang hinihintay ninyo? Updated benefits na makukuha kapag IMG Member kaโ€”dahil ngayon, may sarili nang banko si IMG!

Ito ang mga bagong benefits na maibigay ng Malayan Savings Bank, a bank owned by IMG.

-Deposit Products
-Savings and
Checking Account
(Emergency Fund)
Term Deposit Account
-FCDU Account
-Loan Tie-Up Products
-Auto Loans
-Housing Loans
-Group Salary
Loans
Personal Loans
-Microfinance
Loans
-OFW Loans
-MSB Business Solutions
SME Business
Loans
Agricultural Loans
-Payroll Package Products
-Debt Management
and Elimination

๐Ÿ‘‰Imagine sa halagang 6,000 one-time membership fee, may access kana sa lahat ng services sa Financial Industry.

๐Ÿ‘‰PM me to get started baka ito na ang makatutulong sayo.


14/04/2025

Hindi RETIREMENT FUND ang "SAKA NA" at "BAHALA NA".
Believe me,Di mo sya magagamit pag tumanda ka ..๐Ÿ˜‚

BAKIT KAKAIBA ANG KAISER SA LAHAT NG HMO?๐Ÿ‘‡Is your HMO a Longterm or Short term plan? Short term plans only provide cover...
11/04/2025

BAKIT KAKAIBA ANG KAISER SA LAHAT NG HMO?๐Ÿ‘‡

Is your HMO a Longterm or Short term plan?

Short term plans only provide coverage until age 60, and you will not receive any return on investment if you remain healthy and do not get sick, resulting in a loss of your money.

Longterm plans, on the other hand, continue to provide coverage even after age 60 as long as you have sufficient funds, and you can enjoy a return on investment even if you do not use your hospitalization benefit.

In the Philippines, KAISER is the ONLY provider that offers Longterm HMO or Healthcare.

Kaya kung Kaiser ang HMO mo? Be proud!

Message us for more information so we can assist you.



Bakit maganda ang KAISER? Simplehan lang natin. MAGAMIT mo man o hindi ang HMO fund habang nagbabayad ka, walang nasasay...
08/04/2025

Bakit maganda ang KAISER? Simplehan lang natin. MAGAMIT mo man o hindi ang HMO fund habang nagbabayad ka, walang nasasayang, walang natatapon. LUMALAGO pa rin ang pera na binayad.

โœ… โ€˜Pag nagkasakit o maospital may magagamit.
โœ… โ€˜Pag agad na kinuha ni Lord, may maiiwan o maipapamana sa Pamilya.
โœ… โ€˜Pag nagretiro, wala nang trabaho, at hindi na ma-aapprove sa HMO, eh walang problema dahil may Healthfund ka pa rin na magagamit.

May Additional retirement money pa. ๐Ÿ’ฏ Ganda di ba?
Bastaโ€™t ikaw ay Pilipino, saan ka man sa mundo, DAPAT MAY KAISER Ka. Ngayon hanggang sa ating pagreretiro.

The ๐—ฏ๐—ฒ๐˜€๐˜ ๐—ถ๐—ฝ๐—ผn  na ๐˜„๐—ฎ๐—น๐—ฎ๐—ป๐—ด ๐˜๐—ฎ๐—ฝ๐—ผ๐—ป.๐‘ฏ๐’๐’˜ ๐‘ซ๐’๐’†๐’” ๐‘ฒ๐’‚๐’Š๐’”๐’†๐’“ ๐‘ณ๐’๐’๐’ˆ-๐‘ป๐’†๐’“๐’Ž ๐‘ฏ๐’†๐’‚๐’๐’•๐’‰๐’„๐’‚๐’“๐’† ๐‘พ๐’๐’“๐’Œ?Itโ€™s a 3-in-1 product that solves the 3 major F...
03/04/2025

The ๐—ฏ๐—ฒ๐˜€๐˜ ๐—ถ๐—ฝ๐—ผn na ๐˜„๐—ฎ๐—น๐—ฎ๐—ป๐—ด ๐˜๐—ฎ๐—ฝ๐—ผ๐—ป.
๐‘ฏ๐’๐’˜ ๐‘ซ๐’๐’†๐’” ๐‘ฒ๐’‚๐’Š๐’”๐’†๐’“ ๐‘ณ๐’๐’๐’ˆ-๐‘ป๐’†๐’“๐’Ž ๐‘ฏ๐’†๐’‚๐’๐’•๐’‰๐’„๐’‚๐’“๐’† ๐‘พ๐’๐’“๐’Œ?

Itโ€™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:
๐‘จ๐’„๐’„๐’–๐’Ž๐’–๐’๐’‚๐’•๐’Š๐’๐’ ๐‘ท๐’†๐’“๐’Š๐’๐’… (7 ๐’š๐’†๐’‚๐’“๐’”)
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

- Memberโ€™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.
๐‘ฌ๐’™๐’•๐’†๐’๐’…๐’†๐’… ๐‘ท๐’†๐’“๐’Š๐’๐’… (13 ๐’š๐’†๐’‚๐’“๐’”)
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.
๐‘ณ๐’๐’๐’ˆ-๐’•๐’†๐’“๐’Ž ๐‘ช๐’‚๐’“๐’† ๐‘ท๐’†๐’“๐’Š๐’๐’… (๐’ƒ๐’†๐’š๐’๐’๐’… 20 ๐’š๐’†๐’‚๐’“๐’”)
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.

๐™‰๐™ค๐™ฉ๐™š: ๐™๐™๐™ž๐™จ ๐™ž๐™จ ๐™ฃ๐™ค๐™ฉ ๐™– ๐™ก๐™ž๐™›๐™š ๐™ž๐™ฃ๐™จ๐™ช๐™ง๐™–๐™ฃ๐™˜๐™š ๐™ฅ๐™ง๐™ค๐™™๐™ช๐™˜๐™ฉ, ๐™จ๐™ค ๐™–๐™ก๐™ก ๐™๐™ž๐™ก๐™ž๐™ฅ๐™ž๐™ฃ๐™ค๐™จ ๐™—๐™–๐™จ๐™š๐™™ ๐™–๐™ฃ๐™™ ๐™ค๐™ง ๐™ฌ๐™ค๐™ง๐™ ๐™ž๐™ฃ๐™œ ๐™ž๐™ฃ ๐™–๐™—๐™ง๐™ค๐™–๐™™ ๐™˜๐™–๐™ฃ ๐™–๐™ซ๐™–๐™ž๐™ก ๐™–๐™ฃ๐™™ ๐™–๐™ฅ๐™ฅ๐™ก๐™ฎ ๐™›๐™ค๐™ง ๐™ฉ๐™๐™ž๐™จ ๐™ค๐™ฃ๐™ก๐™ž๐™ฃ๐™š.

============================
Avail your Online policy account now! Habang ikaw ay bata at malakas pa at most importantly kumikita pa!

OFW KA BA?Alam mo ba na kapag OFW ka at Member ka ng IMG,hito ang ilan sa maari mong maging benifits.....1. 500K Acciden...
30/03/2025

OFW KA BA?

Alam mo ba na kapag OFW ka at Member ka ng IMG,hito ang ilan sa maari mong maging benifits.....

1. 500K Accidental Benefit
2. 100K Burial Benefit
3. 600K Acts of Terrorism
4. 600K Unprovoked Murder and Assault
5. Accidental Medical Reimbursement benefit
6. Accidental Disablement Benefit (Check mo image below)
7. 50K Life Insurance ( Optional: Basta Member ka din sa Fidelity worth 500 Pesos one time life time)

Siguro iniisip mo na yang mga benefits na yan ay benefits lang kapag may nangyari sayo (at least handa)

Pero meron pang ibang benefits.
Check mo to...
1. Financial Education ( Coaching and Seminars )
2. Investment portal ( kahit 20 pesos kada araw lang pwede ka maginvest sa Mutual Fund
3. Business Opportunity - eto ang the best. Minimal fee pero may Business ka sa Financial Industry.

Now sino mkakatalo sa mga benefits na yan

But again kailangan mo magMember muna bago maUnlock ang mga benefits na yan. PM moko kung interested ka...or just simply click my link
https://461457ph.imgcorp.com/linkbio/

๐˜ฟ๐™š๐™–๐™ฉ๐™ ๐™ž๐™จ ๐™ฃ๐™ค๐™ฉ ๐™– ๐™ฆ๐™ช๐™š๐™จ๐™ฉ๐™ž๐™ค๐™ฃ ๐™ค๐™› ๐™„๐™.๐™„๐™ฉ ๐™ž๐™จ ๐™– ๐™ฆ๐™ช๐™š๐™จ๐™ฉ๐™ž๐™ค๐™ฃ ๐™ค๐™› ๐™’๐™ƒ๐™€๐™‰.๐™‹๐™š๐™ค๐™ฅ๐™ก๐™š ๐™™๐™ค๐™ฃ'๐™ฉ ๐™ฅ๐™ก๐™–๐™ฃ ๐™ฉ๐™ค ๐™›๐™–๐™ž๐™ก,๐™ฉ๐™๐™š๐™ฎ ๐™›๐™–๐™ž๐™ก ๐™ฉ๐™ค ๐™ฅ๐™ก๐™–๐™ฃ.๐˜ฟ๐™ค ๐™ฎ๐™ค๐™ช ๐™๐™–๐™ซ๐™š ๐™– ๐™ฅ๐™ก๐™–๐™ฃ?Lo...
15/02/2025

๐˜ฟ๐™š๐™–๐™ฉ๐™ ๐™ž๐™จ ๐™ฃ๐™ค๐™ฉ ๐™– ๐™ฆ๐™ช๐™š๐™จ๐™ฉ๐™ž๐™ค๐™ฃ ๐™ค๐™› ๐™„๐™.
๐™„๐™ฉ ๐™ž๐™จ ๐™– ๐™ฆ๐™ช๐™š๐™จ๐™ฉ๐™ž๐™ค๐™ฃ ๐™ค๐™› ๐™’๐™ƒ๐™€๐™‰.

๐™‹๐™š๐™ค๐™ฅ๐™ก๐™š ๐™™๐™ค๐™ฃ'๐™ฉ ๐™ฅ๐™ก๐™–๐™ฃ ๐™ฉ๐™ค ๐™›๐™–๐™ž๐™ก,
๐™ฉ๐™๐™š๐™ฎ ๐™›๐™–๐™ž๐™ก ๐™ฉ๐™ค ๐™ฅ๐™ก๐™–๐™ฃ.

๐˜ฟ๐™ค ๐™ฎ๐™ค๐™ช ๐™๐™–๐™ซ๐™š ๐™– ๐™ฅ๐™ก๐™–๐™ฃ?

Look no further,
Everest Memorial Solutionโ€ผ๏ธ

The most AFFORDABLE memorial plan on the market.

If you are 30 years old, you can get:

๐Ÿ‘‰P984 monthly = 200K Coverage
๐Ÿ‘‰P1,476 monthly = 300K Coverage
๐Ÿ‘‰P2,400 monthly = 500K Coverage

Payable for 5 years only.

More savings if you opt for annual payments.

โœ… Easy to apply

๐Ÿ‘‰ Eligible for ages 1-64
๐Ÿ‘‰ Online application

โœ… Tax-Free

๐Ÿ‘‰ Proceeds are not subject to tax.

โœ… Repatriation

๐Ÿ‘‰ In case of death abroad, the concierge service includes assistance with the repatriation of the insured.

To learn more, send me a message.๐Ÿ˜Š

Address

San Joaquin Iloilo
Iloilo

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