Why Kaiser Ultimate Health Builder?

07/12/2025

07/12/2025

Question : Why Kaiser is the best investment for you and your family?

Answer : Because it's 3 in 1 Plan.

📌 Healthcare - Someone will catch you when you get sick . No worries for hospital bills.

📌 Insurance- In case something happens in Holder there will be instant money left in the family. They are not difficult to move on in life even if you are gone.

📌 Investment - If the LORD has blessed you with a long life, you already have money to expect , You will no longer depend on your children . You are living in interest already.

In KAISER this is the answer to our 3 IF'S in Life ..

If you have this, you have PEACE of MIND. .
If I Love Myself And Love Your Family?.
Go to KAISER.

07/12/2025

Client: Hindi ako naniniwala sa Health care at Insurance.

Me: Mr. Client diba may kotse ka?
Client: Yes
Me: May spare tire kang dala?
Client: Yes
Me: Bakit ka may dala?
Client: Baka ma flatan ako eh.
Me: Alam mo kailan ka maf-flatan?
Client: Hindi.
Me: Gusto mong maflatan ng gulong?
Client: Syempre hindi!
Me: Kapag naflatan ka, anong mas gusto mo, may spare tire ka or wala?
Client: Syempre meron.

Me: Parang ganun lang ang healthcare at insurance.
Hindi mo pa gustong mawala.
Hindi mo rin gustong magkasakit, madisabled, maaksidente at maconfine.

Pero kasi hindi natin alam kung kelan yan mangyayari eh.
At kung sakaling mangyari ang isa sa mga yan anong mas gusto mo?
Handa ka o Hindi?

Client: Syempre yung handa ako.

Me: Oh halika pumirma ka dito ✍ nanggigigil ako sayo!🤣🤣🤣

Kidding aside, ang moral lesson is dapat Insured ka tulad ng car mo.

That's being prudent and wise. 👌

07/12/2025

Bakit maganda mag-ipon sa Kaiser Longterm Healthcare Savings?

Sa Kaiser 3-in-1 na, may Healthcare, Insurance at Investment ka na.

HOW IMPORTANT IS THE KAISER LONGTERM HEALTHCARE:

✔Kapag hindi ka na employed, hindi ka magwoworry kung maospital ka.

✔Kapag hindi mo nagamit ang Annual health care coverage mo hindi sya naeexpire unlike short-term health care. Marereceive mo ang guaranteed Long-term care bonus sa maturity.

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

✔Pede ka magkaroon nito nagsisimula sa halagang P88 pesos a day.

Sa Kaiser 3in1 na, my healthcare, insurance at investment ka na.

Basta ang daming benefits. 7 years mo lang pag iipunan.

BONUS: Recommended pa rin na mag ipon ka at mag invest sa mga MUTUAL FUNDS and Stock Market. 👍

Gusto mo bang malaman kung paano?
👉 Comment "Kaiser" below

04/12/2025

When you're sick, you can’t make money.

And if you get sick without healthcare, your hard-earned savings suddenly become hospital funds—or worse, you end up buried in debt.

Hospitals won’t admit you without a deposit.
And the sad truth?
Many people don’t die because there’s no medicine… they die because they have no money.

Don’t wait for that moment.
Protect your health while you’re still strong.
Prepare now, so your future won’t suffer later.

Secure your healthcare, secure your life. 🩺💙

Message me to start your Kaiser Long-Term Healthcare

04/12/2025

AVAIL NOW while you are still INSURABLE!

Bakit ang KAISER ang BEST HEALTHCARE INSURANCE para sa pamilya mo?
Dahil ito ay 3 in 1 Savings & Investment Plan.

✅ HEALTH CARE
✅ LIFE INSURANCE
✅ SAVINGS & INVESTMENT

7 years ka lang mag – iipon, meron ka ng healthcare na magagamit for your retirement & senior years.

At alam mo ba ang KAISER HEALTHCARE INSURANCE ay:

✅ Maaring magamit lifetime kahit 60 years old and above ka na.

✅ Life insurance or instant money ay ibibigay sa beneficiary incase ang plan holder DIES TOO SOON. (DISCLAIMER: Subject to evaluation & approval policy.)

✅ WAIVE ang installment due to DEATH. Meaning, automatically ang KAISER PLAN holder ay magiging FULLY PAID, kahit 1 buwan lamang ang naibayad. At ang healthcare coverage ay mattransfer sa beneficiary. (DISCLAIMER: Subject to evaluation & approval policy.)

✅ 85% of the contract price will be given at the MATURITY DATE. Kung hindi ma-hospitalized ang plan holder during the 7 years paying period. (This is called the LONG-TERM CARE BONUS)

✅ Portion ng funds ay invested sa MUTUAL FUNDS, kaya ito ay nasabing mayroong SAVINGS & INVESTMENTS. Pagdating sa maturity date, it is GOOD AS CASH. Kung hindi mo man ito nais iwithdraw lahat, ang remaining balance ay continuous to grow & earning not less than 3% interest compounded annually.

✅ Sino ang pwede mag avail ng KAISER LONG-TERM HEALTHCARE? Ages 10 to 60 years old only.

Incase, YOU DIE TOO SOON or LIVE TOO LONG, handa ka at hindi ka magiging pabigat sa iyong pamilyang maiiwanan.

Let’s get started! Message me to know more.☺️

04/12/2025

10 REASON Why Many OFWs End Up Broke After Retirement

“Masakit aminin, pero totoo… Maraming OFWs ang nauuwi sa Pilipinas pagkatapos ng 10, 20, 30 years abroad — pero wala pa ring ipon. Bakit? Hindi dahil tamad sila. Hindi dahil mahina sila. Kundi dahil may mga realidad sa OFW life na hindi napag-uusapan.”

1. Kasi temporary ang mataas na sahod

Habang nasa abroad ka, malaki ang kinikita.
Pero hindi pang-habambuhay ang kontrata.
Pag-retire o pag-uwi — wala nang steady na income, pero may gastos pa rin araw-araw.

2. Walang solid financial plan

Maraming OFWs ang umaasa lang sa “Bahala na.”
Walang:
✔ investment plan
✔ retirement plan
✔ emergency fund
Walang clear timeline kung kailan titigil sa abroad — kaya nagugulat kapag naubos ang savings.

3. High lifestyle habang nasa abroad

Kasama na dito ang:
• gadgets
• branded clothes
• kain sa labas
• gala kasama kabaro
• padala nang padala sa Pinas
Naiintindihan natin — reward ’yan. Pero kapag mas mataas ang lifestyle kaysa income, saglit lang mauubos ang pera.

4. Family dependency

Ito ang pinakamabigat.
Kapag OFW ka, automatic:
“Siya ang aasahan.”
Bills? OFW.
Tuition? OFW.
Hospital? OFW.
Pamilya sa abroad? OFW.

Pag-uwi mo, wala ka nang income — pero ang gastos hindi humihinto.

5. Walang health insurance / life insurance

Pag tumanda, nagkasakit, o na-accident —
lahat ng ipon, isang bagsakan mauubos.
Ito ang reality ng maraming nagretiro na OFW na hindi insured.

6. Too much utang habang nasa abroad

Gadget loan, bahay loan, kotse loan, credit card, insurance na hindi naman natapos bayaran…
Pag-uwi, puro bayarin, pero wala nang income.

7. Business na sinimulan pero hindi minonitor

Common line:
“Mag-business tayo habang nasa abroad!”
Pero hindi na-manage nang maayos.
• Naubos sa puhunan
• Hindi nag-report ang naiwan
• Walang proper system
• Laging lugi
Resulta: ubos ipon, walang balik.

8. Hindi nakapag-transition pabalik sa Philippines

Pag-uwi, maraming OFWs ang walang:
✔ skills na pang-local
✔ business knowledge
✔ alternative career
Kaya hirap mag-adjust at napipilitang umalis na naman, kahit pagod na.

9. Akala nila “malayo pa ang retirement”

Pero mabilis ang taon sa abroad.
Lalo sa seafarers, 6–9 months contract — hindi mo mapapansin, 10 years na lumipas, tapos 20, bigla ka na lang hindi fit to work.

10. Emotional spending

Pag uwi?
“Enjoy muna, deserve ko ’to.”
Gala, travel, kain, inuman.
Pero habang nag-eenjoy ka…
Hindi mo napapansin, naubos na ang retirement money mo.

REALITY CHECK:

Hindi masama magtrabaho abroad, at hindi kasalanan ng OFW ang sitwasyon.
Pero kung walang plano, walang discipline, at walang long-term mindset — retirement becomes a struggle.

HOW TO AVOID THIS (Short Tips):

✔ Build Emergency Fund
✔ Start Investing Early
✔ Get Insurance
✔ Reduce Family Dependency
✔ Plan your Exit Strategy
✔ Build Multiple Income Streams
✔ Learn business and money management

“Ang OFW life ay hindi forever.
Kaya habang malakas ka pa, habang nasa abroad ka pa…
gawin mo na lahat para hindi ka umuwi ng pagod, at worst — walang-wala.
Dapat pag-retire mo, hindi stress ang kasama mo…
kundi kapayapaan at financial freedom.”

04/12/2025

Ito ang reason bakit ko nagustuhan ang Kaiser Long Term HMO.

3 in 1 na. May Healthcare, Life Insurance at Investment na.

Pag nagkasakit, use the HMO benefits.

Ang life insurance naman ang bahala sa mga maiiwan pag maagang kinuha ang plan holder.

Sa mga hindi nagagamit ang HMO benefits. Mas better, ito ay iyong investment na magagamit sa pagtanda.

Gustong malaman kung paano?

Message us.

04/12/2025

Kaiser is your ultimate frontliner—protecting you today and securing your tomorrow. 💙

Get to know more about our Long-Term Care program and discover the 5 powerful benefits that prove why Kaiser deserves to be your frontliner in health and financial security. ✨

📩 Message us now and start your journey to lifelong protection.

04/12/2025

💙 𝐖𝐇𝐘 𝐊𝐀𝐈𝐒𝐄𝐑 𝐈𝐒 𝐓𝐇𝐄 𝐁𝐄𝐒𝐓 𝐈𝐍𝐕𝐄𝐒𝐓𝐌𝐄𝐍𝐓 𝐓𝐎 𝐒𝐓𝐀𝐑𝐓? 💙

Maghulog lang ng 7 years, pero secured ka na for the next 20 years and beyond!
At ang maganda pa — covered ka sa healthcare kahit umabot ka ng 100 years old! 👏

💎 𝐀𝐍𝐎 𝐁𝐀 𝐀𝐍𝐆 𝐊𝐀𝐈𝐒𝐄𝐑 𝐋𝐎𝐍𝐆-𝐓𝐄𝐑𝐌 𝐇𝐄𝐀𝐋𝐓𝐇𝐂𝐀𝐑𝐄

Ito ay isang 3-in-1 plan na may Healthcare + Life Insurance + Investment!
Perfect para sa mga gustong maghanda sa future habang may peace of mind ngayon. 🌱

💚 𝐁𝐀𝐊𝐈𝐓 𝐊𝐀𝐈𝐒𝐄𝐑 𝐀𝐍𝐆 𝐒𝐌𝐀𝐑𝐓 𝐂𝐇𝐎𝐈𝐂𝐄?

✔ Protected ka kahit mawalan ng work!
Kapag wala ka nang company HMO, hindi mo kailangang mag-alala kung maospital ka.

✔ Hindi sayang ang hulog mo!
Kapag di mo nagamit ang annual health benefit mo, hindi ito nawawala —
may guaranteed Long-Term Care Bonus (cash) ka pa sa maturity. 💰

✔ May kasamang life insurance!
Para kahit may mangyari sa’yo, protected ang family mo. ❤️

✔ Waiver of payment!
Kung mamatay o ma-disable totally ang policyholder, fully paid na ang plan —
at tuloy-tuloy pa rin ang benefits ng pamilya mo. 🙏

✔ Invested and growing!
Part ng fund mo ay nilalagay sa Mutual Funds na kumikita ng up to 10% yearly (compounded). 📈

✔ Good as cash pag maturity!
Pwede mong i-withdraw anytime gamit ang Kaiser Visa Card,
at habang may laman ang account mo, tuloy ang earnings mo! 💳

✔ Lifetime protection!
Covered ka pa rin kahit lampas 60 years old — basta may fund ang account mo! 🏥

👨‍👩‍👧‍👦 𝐒𝐈𝐍𝐎 𝐀𝐍𝐆 𝐏𝐔𝐖𝐄𝐃𝐄𝐍𝐆 𝐌𝐀𝐊𝐀𝐀-𝐀𝐕𝐀𝐈𝐋?

Lahat ng 10 to 60 years old, empleyado man, OFW, o nagsisimula pa lang sa ipon journey.

If you really love your family ❤️, ayaw mong maging pabigat sa kanila — either you die too soon or live too long.

Kaya habang maaga pa, kumuha ka na ng Kaiser 3-in-1 (Healthcare + Insurance + Investment).

Dahil “Mas daig ng maagap ang masipag.” 💚

📩 MESSAGE me today for for details!

Invest wisely. Protect your health. Secure your future.

04/12/2025

Question : Why Kaiser is the best investment for you and your family?
Answer : Because it's 3 in 1 Plan.
📌 Healthcare - Someone will catch you when you get sick . No worries for hospital bills.
📌 Insurance- In case something happens in Holder there will be instant money left in the family. They are not difficult to move on in life even if you are gone.
📌 Investment - If the LORD has blessed you with a long life, you already have money to expect , You will no longer depend on your children . You are living in interest already.
In KAISER this is the answer to our 3 IF'S in Life .