Neri Fernandez, Cebu City (2025)

30/07/2025

How much is the exchange for peace of mind?

For as low as ₱88/day, you can start your future healthcare.

With Kaiser, you have healthcare, life insurance, and investment — all in one plan.

You will only save for 7 years, but you are covered for 20 years and your money has potential to grow!

Instead of saving big later, it's better to prepare now while you still can.

Just message me for more details. 🙂

22/07/2025

Choosing the Right Healthcare

FACTs:

1. Medical and hospitalization cost will continue to increase.
2. It's difficult and expensive to buy healthcare when we are sickly.
3. It takes one major illness to wipe out everything we worked for - properties, business, assets, family savings, peace of mind.
4. It's best to get healthcare when we are young, earning income, mentally and physically healthy.
5. Longterm Healthcare is not just hospitalization - it also includes personal care assistance, nursing care, day care assistance or in-patient rehab service during old age.

Healthcare programs are designed for individuals as well as family members or group.

Financial education is the first step.

👉Send me a message for inquiries.

21/07/2025

Hindi mahal ang kumuha ng INSURANCE.

If you really love your FAMILY you need to PROTECT them by ensuring yourself with Life Insurance, Critical Illness and Accidental Death. and by having an investment.

You can have 1 million protection for as low as 3,900 pesos yearly! Better than Most expensive VUL. 😁

Message me for Quotation.

19/07/2025

In IMG, you are not alone.

Backed by top partner companies in financial services — from insurance, healthcare, investments, banking, to real estate — everything you need to grow, is here.

✅ Exclusive access to discounted products
✅ One-stop-shop for all financial needs
✅ Trusted and proven companies
✅ More opportunities to earn and grow

As an IMG member, you have full access to the major providers in the Philippines without the aid of an Agent , online transactions with your own personal portal— now, it's within your reach! 🙌

We don't sell products
We sell a way of life.

Join IMG Community today

Become your own money manager

Message me for more details

29/06/2025

SOME LESSONS ON FINANCES 💯

1. Must have EMERGENCY FUND - enough for 6 months of expenses/current lifestyle.

2. SAVE MONEY and MONEY WILL SAVE YOU. Don't save what is left after spending. Only spend what is left after saving.

3. Best to have ZERO DEBT, if you can't pay cash, you CAN'T AFFORD it, nothing beats PEACE OF MIND.

4. Avoid unnecessary spendings, forget sale price, everything is 100% off when you don't buy it. Don't waste your money on things that you don't need, even if they are cheap. EVERY PESO COUNTS!

5. Learn to BUDGET - it is telling your money where to go instead of wondering where it went!

6. If we buy things that we don't need, we will have to SELL THINGS THAT WE NEED.

7. PRETENDING TO BE RICH can make us poor. Must learn to live BELOW MEANS. Don't go broke trying to look rich.

ACT YOUR WAGE.

8. MONEY IS NOT EVERYTHING, but we cannot deny the fact that we NEED money for our FAMILY.

9. Always have a BACK-UP PLAN for life's uncertainties.

Start having your personal LIFE INSURANCE with INVESTMENT.

10. Let's break the TOXIC FAMILY CULTURE about
FINANCES. Your children is not your retirement fund, and your parents is not your emergency fund.

Ccto ✨

23/06/2025

SAVE AND INVEST FOR ONLY 7 YEARS, BE PROTECTED FOR THE REST OF YOUR LIFE.

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.

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

Kaiser Longterm Healthcare will be with you as you grow old.

MESSAGE ME FOR FREE QUOTATION.

12/03/2025

EXPLAIN NATIN MAIGI PARA MALIWANAG. 🙂

Pitong taon ka lang mag-iipon.
Parang binabayaran mo lang ang sarili mo.
At habang nagbabayad ka, may HMO ka for 7 Years.
May Term
Insurance sa loob ng 20 years at retirement money kapag nagmature na ang policy mo.
Ang ganda di ba? KAISER is like no other. HMO po ito ha, hindi Insurance. Magkaiba kase ‘yon!
Scenario 1: Nagkasakit ka at naospital. Hindi mo pwede sabihin sa Ospital o Doctor na meron po ako “Life Insurance" kase po hindi iyon tatanggapin sa Ospital. Pag na-ospital ka, maglalabas ka pa rin ng pera.
Scenario 2: Nagkasakit ka at Naospital (Not Pre-existing), then may KAISER HMO ka. Pwede mo sabihin sa Ospital o Doctor na, meron po akong KAISER. Tatanggapin yon at itatanong lang sa’yo ano po ang policy number niyo?
That is the difference. Hindi ka mangangamba kase may HMO o Healthcard ka.
Message for more Details to Guide you🩵
Healthcard na may Term Insurance at Investment.👌

28/01/2025

Sa mga employed, ayaw saligi ang healthcare nga gi provide sa imong company. Pag secure ug own healthcare nga ma-covered ka bisan mo-retire naka.

Grabe ka mahal magkasakit karong panahona.

Secure your Long Term Healthcare as early as now nga kanang dili masayang kung dili ta masakit kay ma convert ra into savings dili mawala ang atong kwarta ug pwede sab mahimong Healthcare Funds nato inig retire/senior years puhon.

Remember mga trabahanti, karon nga connected pa ka sa company covered pa ka ana, how about inig retire nimo nga mas nanginahanglan na ka tungod kay given nga mas masakiton najud ta samtang magka edaran na ta?

Message me for details. 📞😊

14/12/2024

The best decision I've made is getting KAISER Healthcare.

Why Longterm Healthcare is so important? Think about this... 😊

1. Medical cost doubles every 5-7 years
2. A lot of sick people die not because of no medicine but because of no money
3. Majority of Filipinos don't save for future healthcare needs
4. You cannot bring with you the healthcare benefits provided by your company when you retire or resign
5. No traditional healthcare company covers 61 and up
6. Majority of personal bankruptcy is due to medical crisis.

If you really love your family at ayaw mong maging burden sa kanila ito yung ipon na walang tapon either you DIE TOO SOON or LIVE LONG or GET SICK.

Get Kaiser 3 in 1 (Longterm Healthcare, Life Insurance + Investment) as early as you can.

Message me for Free Quotation based on your AGE 😊

12/12/2024

𝘼 𝙧𝙚𝙖𝙡 𝙛𝙧𝙞𝙚𝙣𝙙 𝙞𝙨𝙣’𝙩 𝙟𝙪𝙨𝙩 𝙨𝙤𝙢𝙚𝙤𝙣𝙚 𝙬𝙝𝙤’𝙨 𝙩𝙝𝙚𝙧𝙚 𝙛𝙤𝙧 𝙩𝙝𝙚 𝙛𝙪𝙣 𝙩𝙞𝙢𝙚𝙨—they’re the ones who push you to be financially smart and secure your future, like getting a life insurance policy. 👊🏻

𝙇𝙞𝙛𝙚 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 isn’t just an expense; it’s an act of love for yourself and the people you care about. It’s about ensuring that no matter what happens, your family and loved ones are protected. And sometimes, we need that friend who pushes us to adult smarter, even if it’s not something we’re ready to think about.

So if you have a friend telling you to plan ahead and prioritize your financial security, don’t take it for granted—that’s real love and care right there! ❤️𝘼 𝙧𝙚𝙖𝙡 𝙛𝙧𝙞𝙚𝙣𝙙 𝙞𝙨𝙣’𝙩 𝙟𝙪𝙨𝙩 𝙨𝙤𝙢𝙚𝙤𝙣𝙚 𝙬𝙝𝙤’𝙨 𝙩𝙝𝙚𝙧𝙚 𝙛𝙤𝙧 𝙩𝙝𝙚 𝙛𝙪𝙣 𝙩𝙞𝙢𝙚𝙨—they’re the ones who push you to be financially smart and secure your future, like getting a life insurance policy. 👊🏻

𝙇𝙞𝙛𝙚 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 isn’t just an expense; it’s an act of love for yourself and the people you care about. It’s about ensuring that no matter what happens, your family and loved ones are protected. And sometimes, we need that friend who pushes us to adult smarter, even if it’s not something we’re ready to think about.

So if you have a friend telling you to plan ahead and prioritize your financial security, don’t take it for granted—that’s real love and care right there! ❤️

26/11/2024

I have reached 300 followers! Thank you for your continued support. I could not have done it without each of you. 🙏🤗🎉

07/09/2024

Bakit nga ba maganda magkaroon ng Kaiser 3-in-1 Investment Product ang bawat miyembro ng pamilya lalo na yung mga bread winner?

✔Kapag hindi ka na employed at binawi na nung dati mong employer yung shorterm HMO mo, hindi ka magwo-worry kung maospital ka.

✔Kapag hindi mo nagamit ang Annual Health Care Coverage mo hindi sya nae-expire unlike short-term health care (HMO) na no refund ang premiums magamit mo man o hindi. Sa Kaiser mare-receive mo ang guaranteed Long-term Care Bonus (cash) sa maturity.

✔May kasama na syang life insurance for income replacement or protection para sa family just in case may nangyari sa policy holder.

✔Waived na ang payment kung may nangyari sa policy holder, means wala ng babayaran ang family kahit 1 year palang nakakainvest ang policy holder, ma transfer pa ang health care coverage sa beneficiary

✔Good as cash siya pagdating ng maturity, So pwede kang mag-withdraw gamit ang iyong visa card.

✔Covered ka kahit beyond 60 years old ka na, as long as you live at may funds ang iyong acçount!

Kaiser 3-in-1. May life insurance, health insurance at investment.
Gawan kita ng Kaiser Proposal?

Lower and higher Kaiser Plans are available depende sa iyong age.
Nasa abroad ka man o sa Pinas, pwedeng-pwede pa rin mag-apply.
Send us a message for more details. 🙂

Neri Fernandez

30/07/2025

22/07/2025

21/07/2025

19/07/2025

29/06/2025

23/06/2025

12/03/2025

28/01/2025

14/12/2024

12/12/2024

26/11/2024

07/09/2024

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