The Decision to Stop Paying My Kaiser Health Plan
Update July 18, 2022: Last May 4, on the Anti-Scammer League (ASL) FB group, Miss Elaine posted a screenshot of the court’s decision on the lawsuit filed by International Marketing Group (IMG) against her.
Update July 4, 2022: Months ago, Miss Elaine uploaded another video related to IMG. In this video, she takes down the mental gymnastics of a so-called money doctor Jaime Lorenzo. Read to the bottom of the blog post to view the video.
Update, Nov. 29, 2021: Miss Elaine Linga is facing a lawsuit IMG. Below here is a screenshot of an image taken from her YouTube post, which shows an IMG training material as shared by some people to her. Doesn’t this look like multi-level marketing or pyramiding? 
Update, July 15, 2021: MORE RESOURCES. Thanks to the videos of Elaine Linga, the LA-based content creator, I found more resources where you can learn more about IMG and, overall, protect your hard-earned money. Like or join the page, subscribe to the channel, and invest carefully and properly.
Pyramid Scam – Philippines Reddit
Cyberbump Website – The pioneer in exposing the MLM/networking scams.
Anti-Scammer League (ASL) Facebook Group
Simply Driven Life – The Facebook page of the LA-based content creator.
Update, July 15, 2021: Another video on IMG. An vlogger, Takeru Miyamoto, uploaded his video review of IMG many days before the LA-based content creator did. Make sure to also watch his video.
Update, July 15, 2021: An LA-based content creator, Miss Elaine Linga, made a video review of IMG on her channel “Invested Lifestyle.” In her video, she revealed the red flags that she found in her assessment of IMG. Make sure to check her video at the end of the blog post to know her MLM Bingo Card assessment of IMG. Days after she uploaded her video to YouTube, she uploaded a follow-up video, in which she said she is being silenced by people from IMG. Do watch the follow-up video too.
Update, March 22, 2021: Beware of MLM/networking scams. Make sure to click the following links below to Reddit topics. Know what people say and think about IMG and Kaiser. Protect your hard-earned money.
Phinvest allowed me to shed light on scams in the Philippines.
Update, December 10, 2016: Watch the video of HBO’s John Oliver video on multilevel marketing at the end of this post. Relate much with IMG or any other MLM company?
International Marketing Group (IMG) is a scam. (Photo from the IMG WordPress site)
Kaiser logo from DIY Personal Finance website
On the 2nd quarter of 2012, I got myself a healthcare plan from kaiser International Healthgroup through their brokerage firm International Marketing Group (IMG), popularly known in the Philippines as IMG. Why Kaiser has to seek new plan-holders through IMG, I don’t know.
I got the healthcare plan primarily out of fear. The IMG broker or agent who talked me into getting one was a great talker, full of persuasion skills and marketing techniques in her sleeves. I was an easy prey for her. She used scare tactics – or in other words, fear – on me.
She got me scared about my financial future. She got me scared into thinking about my financial stability. She caused in me fear and anxiety about my employment. She was a master. She persuaded me to get a plan so I can have a stable financial future. And yeah, she even told me I should get my girlfriend one.
Anyway, she did cause me to plan about my future and to consider a second job or part-time. It’s really hard times indeed. And money don’t grow on trees.
But I don’t like the way she got me into getting a Kaiser healthcare plan. I should have known she was never concerned about my future. She was just concerned about her downline. I should have known I was falling into a multi-level marketing (MLM) scam.
In the Philippines, MLM is also commonly known as networking, and networking scams abound in the country. A lot of people are into it, including teachers, public servants, and even church workers.
I did not get a Kaiser healthcare plan right away. I did not even sign up for IMG membership, even if the IMG agent tried to persuade me, telling me there’s an ATM nearby. I should draw money right away so I can sign up for IMG membership and purchase a Kaiser plan – so I can start my journey to financial stability.
However, I never helped her increase her downline – because I did not bring any new people to IMG. Right after I paid for the Kaiser plan and IMG membership, she told me I should recruit three people to join IMG, so that I can earn some sort of promotion. We should work as a team, so goes her smooth talk again. In her words, we should educate people on financial matters and help them make better choices for their financial future.
But truth is, we should get people to join IMG and purchase financial products they market from legitimate financial services providers, (mutual funds, real estate, loans, etc). Those entering IMG are told to get a Kaiser plan first before they decide to get another product. In the words of one IMG CEO, you cannot get an investment or mutual fund plan if you have not purchased a Kaiser plan yet.
No Kaiser healthcare plan, no mutual fund. Plain and simple!
However, months later, I got myself a mutual fund account through a certified financial adviser, not through IMG. I went to an investment firm to inquire about their mutual fund product, which is marketed by IMG.
The person I talked to told me he does not trust International Marketing Group (IMG) in handling their mutual fund products. He narrated to me an incident where an IMG agent failed to remit a client’s payment or investment funds to the firm.
The person I turned to for the mutual fund matter happened to be someone the firm knew. So I relied on trusted hands and got myself a mutual fund.
And back to my Kaiser plan, I paid the installment for 19 months. I had paid about PhP 39,539, not including the policy fee and the fares (to the IMG office). It was all for nothing.
I stopped paying the Kaiser healthcare plan over some discrepancies and inaction of both the IMG agent and Kaiser.
The last time I went to the IMG office to pay the monthly installment, a staff informed me about about finding my plan to be lapsed. But lapsed, how could it be? I contacted the IMG agent about this, and all she told me was to pay for reinstatement so I can still pay the old rate.
I sensed problems, so I contacted the local Kaiser office. A phone call was not enough to clarify some matters, so I met with a Kaiser representative who showed to me my payment history.
On my payment history, I found out inappropriate and lacking details, as summarized:
- Some payments I made were not according to the proper dates. For instance, the payment I made on January 5, 2013 was dated February 28, 2013 on my payment history. The temporary sales receipt I have don’t lie.
- Lack of receipts. One time the IMG agent did not hand me a temporary sales receipt. What she handed me was an acknowledgement receipt. She told me she ran out of temporary receipts. The Kaiser rep told me it shouldn’t be.
- With the lack of temporary receipts came too the lack of certain payments.
- A few payments I made were past due date, but still within grace period. Thanks to the lack of receipts and the recording, the last payments I made were beyond grace period.
I met with the IMG agent to discuss over these issues. I pointed out to her about the missing receipts and payments, but she insisted she remitted them. But if she did so, why were they not reflected on the payment history?
Instead of helping me out and investigating the matter, she blamed me for my own problem because I did not meet her to get my official receipts and that I made payments past the due dates.
I countered that the lack of receipts and the corresponding payments caused the problem, not my paying past the due dates (but still within the grace period). And even if I did not get my official receipts, the payments should have reflected in my payment history. And with paying past the due dates, that was not a problem because she told me if I cannot pay before the due date, I should try to still pay within the grace period and that it’s all right.
The IMG agent still insisted she remitted the payments, but she cannot show evidence to back up her statements. I sensed she was up to no good. When I asked if IMG could have caused an error in reading the particulars of my payment and recording my payments, she replied she doesn’t know.
On the case of the acknowledgement receipt, I was never handed one by the staff who informed me on the lapse and to whom I made most of my payments. One time she ran out of temporary receipts, she took me to the Kaiser office so I can make my payment and receive a temporary sales receipt.
I had the hunch the IMG agent have not remitted the payments that lack the receipt.
And I was disappointed with Kaiser for not helping me. They ignored my emails, and the Kaiser rep did not respond to my follow-up text messages. No developments from him. Nothing heard from the IMG agent when I pressed her more on the matter.
The IMG agent just told me to pay for the reinstatement as it is useless to dispute as the payments were already recorded. I sensed her lack of concern for me. And for that, I saw her as a swindler. She showed no willingness to dig deep into my problem.
I wanted to see the inappropriate details of my payments corrected, something which the IMG agent looked disinterested. Just charge it to experience, she further told me.
It was then I decided to stop paying.
Hard decision it is, but I cannot do business with swindlers, with companies that do not have excellent customer service. I refuse to entrust my money to people who are only concerned with their downlines and commissions. In other words, people who got rich by recruiting other people. They do not contribute to the innovation of goods and services.
I should have known that IMG agent is just one of the many people who got into the financial services just for the money – when she told me to withdraw money so I can start my Kaiser plan.
I cannot say much about International Marketing Group (IMG), but I see them as just another multi-level marketing (MLM) / networking business, whose people rely on aggressive recruitment of people to boost their income and climb the ranks. Recruitment is their only strategy that brings them their income and position, not sales and innovation, not service. You make money by signing people up. The more people you recruit, the more money you make and the higher position you attain.
IMG is just a marketing agency, not a financial services broker, hence their name. If IMG claims to be a financial services broker, its name should be International Financial Brokers Group. But no, they are just into marketing like all MLM / networking groups. IMG is just a plain third-party service provider – a marketing service provider, not even an advocacy or NGO.
MLM groups are only into income-building through recruitment. The type of networking they do is prospecting (in order to recruit and earn from recruitment). Their networking is money-making, not relationship building and professional camaraderie.
Recruit three people in IMG and you get to become marketing director (MD). Why not recruiting director??? I know two people (brothers) who got into IMG – because their grandmother recruited them. She became MD because she was able to recruit three or more people in a month (or three months, can’t remember).
When I was duped into IMG, the company ran a recruitment promo: recruit three people in a month (or three months, can’t remember) and become a marketing director (MD). The IMG agent persuaded me to recruit people; and when one of the branch managers knew I was not recruiting people, she was displeased and lost interest in conversation with me.
I also know a former workmate whose picture I saw in an IMG magazine. His picture was in there because he was honored as one of the people who managed to recruit people to IMG (emphasis mine). When I contacted him on Facebook to talk about IMG and Kaiser, he tried to sell me his Kaiser policy. He told me he was not longer affiliated with IMG; he was already working for one of the biggest insurance companies in the Philippines.
Why I’m writing this? I want to release my frustration, express my disappointment… and regret over a stupid mistake that I made. In the times to come, this will be the biggest regret of my life. The money that I had paid for, I could have already bought a laptop, a tablet or digital camera to pursue a few hobbies.
I should have know the IMG (International Marketing Group) agent who recruited me was a scammer. And I have the feeling she isn’t the only scammer there. She wanted me to withdraw money right away at our first meeting. That should have been a red flag.
I have no personal healthcare plan of sorts now. I just have a healthcare plan provided by my current employer, plus my SSS and Philhealth. I am taking steps to take care of my physical health and financial future, and I don’t need IMG and Kaiser.
I write this as to give myself two lessons to learn: One, money is hard to find and to decide about. Two, there will be many people like that IMG agent and Kaiser rep.
Watch, watch, watch
Please beware of MLM/networking scams. As parting words, I’d like to share these videos:
Update, December 10, 2016: John Oliver tears multilevel marketing (MLM) to pieces:
Update, July 15, 2021: This is the video by the LA-based content creator on her YouTube channel Invested Lifestyle. Below also is the follow-up video. Make sure to share this video and like her channel.
Update, July 15, 2021: This is the video by Takeru Miyamoto. Please watch and share this video too.
Update July 4, 2022: Miss Elaine uploaded another video related to IMG. In this video, she takes down the mental gymnastics of a so-called money doctor Jaime Lorenzo. More IMG ‘truths’ are exposed as LIES.
AGAIN, A REMINDER: DON’T ENTRUST YOUR MONEY AND FINANCIAL FUTURE TO MULTI-LEVEL MARKETING/NETWORKING SCAMS WHOSE MODUS OPERANDI IS TO RECRUIT PEOPLE AND PERSUADE THEM TO PURCHASE EXPENSIVE, LOW-QUALITY PRODUCTS/SERVICES AND RECRUIT MORE PEOPLE. THEIR MISSION IS NEVER SERVICE AND INNOVATION BUT COMMISSION AND POSITION.
ONLY DEAL DIRECTLY WITH LEGITIMATE AND ESTABLISHED FINANCIAL INSTITUTIONS AND FINANCIAL SERVICES PROVIDERS.
Spread the word:
- Posted in: All About The Money
- Tagged: money
Writing Under The Shades of Blue 
Hi, I am also facing a problem with Kaiser International Health Group. I’ve been a loyal customer of Kaiser for more than 2 years or 27 months I took K-100 policy I am paying Php 5,882 monthly. Now my total contribution to them is Php. 158,814.00 For some reason I decided to cancel my policy with them this year and ask for a cash value of my policy. I got very dissapointed with their computation. I was told that the cash value of my policy is just Php.11,229 only. wow! wala po akong nagamit na kahit anong services nila at never ko pang nagamit kahit isang check-up lang. Ngayon ang ibabalik nila sa akin is 7% lang ng pera ko. NAgtanong ako sa kanila through email but until now puro automated response lang ang nattanggap ko. Some of the MD’s from IMG advised me na tapusin ko nalang daw ang 7 years & wait its maturity period which is 20 years – I don’t know what I should do with this policy, Itutuloy ko pa ba ito at dagdagan pa ang perang ayaw na nilang ibalik sa akin or stop ko nalang at bahala na si Lord sa kanila?
payo ko lang po sa inyo..bago po kayo nag invest sa kaiser dapat alam mo kung ano yung rules nila,7 yrs po ang payment dapat sumunod ka.kung kukunin may kaltas talaga ya
At bago rin mag-invest, alamin kung totoong financial adviser ba ang kausap mo at hindi scammer na nagrerecruit lang dahil sa komisyon.
Dear Dante Medinaceli,
Hindi maganda magcomment sa hindi nauunawaan, di ba?
Parang minamaliit mo ang ibang tao.
I think you are being presumptious na only financial advisors who are licensed by the Insurance Commission can be trusted.
Especially since there is no such thing as a financial advisor licensed by the Insurance Commission.
In case you have not heard, you are probably licensed by the Insurance Commission as an insurance agent, there is no license for financial advisors.
Maybe people who claim they are licensed for something else can’t be trusted.
Kung ang doktor nag-claim na licensed structural engineer siya, hindi dapat pagkatiwalaan na structural engineer.
Maybe other people who are not “financial advisors licensed by the Insurance Commission” can be trustworthy and knowledgeable too.
Palagay ko, kasama ako doon sa mga pinapatamaan mo na hindi “financial advisors licensed by the Insurance Commission”
I am with IMG and I understand IMG and Kaiser and the Kaiser Ultimate product.
I am also a licensed life insurance agent/underwriter from Manila Bankers, and yes, licensed as an agent by the Insurance Commission.
I am also a Certified Global Financial Advisor (Association of Certified Global Professionals).
I am also an Associate Financial Planner certified by the Registered Financial Planners institute of the Philippines.
Iba ang licensed sa certified, ha?
And I certainly understand all the product types you listed, because I am a customer of said products, and also of Kaiser.
But unlike you, I teach to educate Filipino families about financial concepts, strategies and solutions, not just about the products I can sell.
In case you have not noticed, your spiel about VUL and PRU products and mention of BSP are all out-of-topic in this discussion.
Iwasan lamang sana ang pag-singit sa usapan, habang minamaliit ang ibang tao.
Okay, pag-usapan natin ulit ang Kaiser Ultimate na galing sa Kaiser, at hindi ang VUL ng PRU.
Ang typical recommendation ng IMG is:
— Kaiser Ultimate for long term healthcare + life insurance + invesment
— term insurance with PDF for life insurance + investmest + emergency fund
— mutual fund for long-term-investment.
And we work with Rampver Financials, the largest non-bank mutual fund distributor in the country. Unlike most financil professionals who are obsessed to recommend their one product, we always recommend a combo of synergistic solutions to help build a solid financial foundation.
Ang excellent solutions, gaya ng technology, kapag advanced at innovative, minsan hindi nauunawaan ng iba ang concepts, strategy and solution, kaya akala nila magic o witchcraft at pipintasan.
Education lang ang sagot diyan. Kung gusto matutunan, (at huwag maiwanan), mag-attend ng seminar, mag-attend ng webinar, o manood ng recorded webinar.
http://ready.TrulyRichMakers.biz/coach/seminars.html
Mr. Prudente sa totoo lang sa karanasan namin ng 2 ko pang kasama na dating taga IMG, pare patehas lang ang naging karanasan namin na di raganda sa KAISER. Maraming hindi diniscuss at hindi naging honest at transparent. Bukod pa duon isa sa hindi ko matanggap hanggang ngayun ay ang hindi pagtugon ng Kaise sa mga katanungan ko thru email. Inabot ng mahigit kumulang na 2 buwan ng makakuha ako ng sagot at mali pa ang isinagot sa akin. Tila ang company ay iniiwasan at ayaw sagurin ang mga taning patungkol sa CANCELLATION at REFUND. Bakit??????
Di ko maunawaan bakit sa mga emails ko hindi consistent at paiba iba ang mga tugon. Ang layo ng sagot sa tinanong ko. I asked for the process to cancel my plan but unfortunately, they gave me a very different remote answer. Umiiwas ba kayo sa ganuong katanungan.
Iyung kaibigan ko nga hindi na tinuloy ang paghuhulog dahil hindi naging totoo ang mga sinabi ng mga taga IMG sa kanya. Honestly, it is all about the getting members so they can reap the rewards of recruting people in. Networking pa din ang company na IMG at ang Kaiser hindi maaasahan sa customer service pa rin.
This is my opinion and i stand by it because of the lack of care of both IMG and KAISER to its members.
Isa pang point tungkol sa Murual Funds na ini-offer thru your company. BAKIT SINASABI NG IBANG MEMBERS NINYO NA WALA NG BACK CHARGES AGAD AGAD KAPAG KUMUHA KA NG MUTUAL FUND THRU IMG? Eh sa totoo lang kapag long term ang holding mo period mo eh duon lang nawa-waive iyun. Kunwari 5 to 10 years wala ng back charges iyun halos. Dapat hindi nagbibigay ng explanation ang mga members ng IMG kung hindi sila financial advisor or whatever you call it
Hindi ko minamaliit ang ibang mga katulad mo kaya lang sa loob ng IMG at KAISER eh tila marami ang hindi maalam sa inooffer nila.
Overall, worst ang experience ko sa KAISER at sa IMG. Dapat siguro re-organize ulit at train the so-called advisors to be honest and transparent sa mga plans at products na ino-offer.
Your so funny you’re making a nonsense story you know that kaiser have a contract ibig sabihin niyan tapusin mo sya in 7 years kasi without any big reason kung bakit di mo tatapusin hindi talaga yan e allowed sa company meron ka pinirmahan eh na contract yan
ang kaiser po ay 7 yrs payment.pag hindi ka makahulog for 1 year may notice napo yan .pag umabot pa ng 2 yrs ma wawala na yan.kung baga sayang ang hinulog mo.
Sorry ha pero what is the use na umattend ng srminar ninyoneh sa una pa lang na kumuha ako di na transparent ang explanation ninyo. Daming di sinasabing daoat malaman. So useless lang din na umattend gaya ng suhestiyon mo. Baka siguro dapat ayusin muna ninyo ang systema ninyo at teain ng maigi mga advisors o consultants or whatever you it.
I regret getting Kaiser if not for my friend who happens to be with group but now had left IMG after duscovering what the company is. So sa mga makakabasa pa nito or nagbabalak kumuha ng Kaiser thru IMG, think 5 times.
This is my opinion and based on my not so beautiful experience.
…yes always attend zoom meeting para matuto and magrecruit pa nang mga tao for your
upline
“more people more money 😒😒” in short networking
no need to recruit para kumita,,option lang po yan…img mission is no family left behind,turuan ang mga tao sa financial,,kung may commision man parang pa konswelo nalang yan.
What a Bullsh*t!!!
Bakit walang official facebook account yung Kaiser International Health Group para mas mabilis silang makasagot ng queries? Thank you!
Reading through the whole blog and the series of comments and reply’s, these are my thoughts, I hope the blogger allows such post:
1. Anonymously created disregarding any means to establish accountability.
2. A complete departure of responsible blogging though the writer acknowledges such limitation as “personal experience”, though;
3. Lacks credible details, in which in its absence, brands the whole blog a product of a creative imagination, a mere fantasy. Of which, in the first place, should not be, as he/she personally experienced the feeling of missing out any important info out of the investment he/she made.
4. “All monkeys eat banana, therefore if you eat a banana you are also a monkey” type of conclusion.
5. Insightful to read, for 30 minutes, I know now “how not to be dumb” if any products were offered by any as we all have the right to be informed prior to purchase.
6. I also learned that I should read any contracts or policies prior to any commitment including membership fees.
7. As financial adviser/educator, we uphold a certain level of ethics, not to malign other companies who sell the same line of products.
8. I don’t know if the blogger sought the approval of a certain Roycie S. which appears to be a minor to use her post for the blogger’s own blog. Has legal implications.
9. Lesson learned and a warning to those who are at IMG to increase service level, including sustaining a certain level of responsibility to those who would do the business.
10. An example of wrong customer service.
11. Presumptive thoughts reflected out of frustration, makes the blogger appear impulsive, seeking revenge for personal gain.
12. The decision to cancel it due to a feeling of bitterness and frustration. A rule in finance, never make financial decisions when emotionally heightened over anything. No. 1 Rule in finance, never lose money.
13. An example of how not to handle conflict through bailing out and calling all quits. I believe, there’s a broken trust/bond between two persons as a result of giving up on each other, dragging the whole company between them.
14. Lastly, a friendship founded through business is better than a business founded through friendship. Business is tough and brutal. It will eat up or test all relationship, considering the bloggers trust in handing out his/her hard-earned money.
15. In any way, an insightful blog, in which, both parties may learn into.
Thank you for this. 2016 pa to but until now, they are still recruiting. Actually, I joined in one of their webinars about membership orientation. The agent called me and I noticed how persuasive she was, convincing me to pay the membership fee amounting to Php 5,500 as early as possible. She insisted that it is a good opportunity to be an IMG member and to invest in mutual funds due to low value of stocks brought by the pandemic. There are indeed a lot of MLM companies in the country so let us be aware. The more they are persuasive, the more we must be cautious.
This blog post is helpful. I am close to signing to their membership but when I read this, nevermind.
Good afternoon, Ma’am! Thank you very much for your feedback. You can invest in mutual funds. Please check out COL Financial and FirstMetroSec.
Lack of financial education would still drive people to generalize certain businesses. Dont get me wrong. I’m allergic to MLM as my mom was a victim, but then isnt it our due diligence to study when all info is virtually found online? Just my two cents. I’m a member of IMG, and IMG is NOT an MLM company. It is a financial industry and the only organization that doesnt push you to get brands but to understand the financial concepts and the charges behind companies that overcharge you, that other financial industries don’t teach.
As for this blog, this sounds like an impulse rather than being a pros and cons, and if you had transactions online with your bank, isnt that a thing for many years? Lawyer, really and a non-techy one i might assume.
Just like in swimming, dont judge rough waters, it may be too shallow. I pity you, you gave up so early. You’re missing a lot, like tremendously… Kaiser is still the sulit healthcare, that is if you have done sufficient data gathering, when others only cover critical and terminal, and others dont cover you when you are above 60. Well, these stories are sad and for those reading this blog and you sympathize, well.. If you are intelligent enough, you’d go for Kaiser.
I pity you for falling for the img-kaiser trap.
Hi Pol can I get your email?
Thanks for sharing. I was researching about IMG & Keiser and bumped into your post. I will stay with PruLife UK then whom I know is legitimate Financial Institution.
Gid bless.
Thank you for this information Sir. I am about to sigh up for IMG but now I’m re-thinking it over.
Im already a member of img and kaiser but im thinking now if i continue to pay or stop paying after reading it.
I want to ask how can we use the health plan na hindi maging member? I got mine as a gift from my husband. I tried to use the services but we were not able to because need daw magbayad ng membership kahit fully paid na ang policy for this year, I found it very unlikely for a health plan. I learned from the staff ng coordinator sa aming lugar na sadyang mahirap magfacilitate sa Kaiser..
Ellen, you should get help as this IMG seems to be a scam after all. Why would an insirance company put up a front anyway when they can market and sell it directly?
hello, nag uumpisa palang kc ako nagbabayad sa kaiser .. para saan daw po ung membership na dapat bayaran at magkano daw po?
thank you for this blog. im about to sign uo for img kaiser tomorrow but no thanks. fycking scammers thankk you thank you
Thank you for this information. I am saddened by your experience. Anyway, there are health care companies who have good services. You just need to study them before getting a plan.
Good day writer!
May I ask who is your financial adviser and how I can get one?
I really am interested. Please do let me know in your available time.
God Bless!
You can email me at nacordagabrieljan@yahoo.com to tell me about certified financial advisers and how to get one.
Based of what I read Mr/Ms. Striving Writer was a victim of a person that only think about generating income. I’m a proud member of IMG based on my experience it is not necessary to apply KAISER. It is not compulsory, but the IMG tells us on how to be financially free. There’s no need to hard sell the services or products because if the person you invited understand the foundation of Solid Financial Foundation, they will buy of their own healthcare particular KAISER if they really understand the importance of healthcare. Again Striving Writer just so happen that your SMD only matter about money that he/she commissioned from you. If you only give IMG another chance to prove that IMG is not what you think then try another SMD that really help you, to educate you like sir BOBET. I think he can really help you a lot. Be an open minded person.
Educate yourself before taking step. Sit I. Seminars and know what you pay.Execute your knowledge and know the vehicle. Being IMG member and Kaiser Builder upu have opms, you have kiosk to pay. I your system youvan check your updated bills and posted payment.It is foolish action to feel frustrated without invistegation by yourself an rely on others negative competitors.The reason why you sign up for others mutual fund was to prove IMG that you can do it without IMG guidance. Being recruiters and investors are optional.If you are just an investors all you care is to buy the shares and pay the amount. How come that it could for you to scored up the agent while the agent concern is to educate you and run the system. They will never let you go fool as long as you need them too. FRUSTATIONS SICK REVENGE.
In financial journey emotion is out of place so try to burn your negativities into positive executions.
Yes, I’m learning from the experts and other certified financial professionals. Don’t worry, I did not write this out of revenge, if you properly read my post. The experience led me to believe there are trustworthy professionals outside of IMG.
Not true though. I feel like this became a biased review because of an unreliable agent. I just recently joined IMG specifically for investing and the discounts, they never forced me to buy anything. I don’t have Kaiser Healthcare but I can actively invest in Mutual Funds through IMG and have discounts on other insurance plans.
I wasn’t really pushed to recruit a bunch of people either. They just told me that IF I wanted to gain commission, I have that option. I only tell my friends about the seminars and about saving and investing, but I never really asked them to join IMG. I just didn’t feel the need to do it, and the agent (friend) that was able to make me join was totally okay with it. Heck, all the people I came to know of where pretty chill too.
I feel like the agent you came across with was a bad weed. All the people I met through my friend, were pretty nice. They weren’t pushy and they were pretty approachable.
I’m a college student trying to get ready to be the breadwinner of my family, so after extensive research, I may or may not get Kaiser as healthcare for my family when I get a job. So far though, IMG is pretty ok and helping me get financially educated. I get to invest lots too, so I see no harm here.
Sabi ng tita ko, aralin muna ang isang business firm bago pasukin. Huwag basta basta pumasok sa isang negosyo without any ideas about it. Kasi it will cause you truoble. Now, I am saving under KAISER healthcare program and now enjoying some of its benefits. I also have mutual funds under soldivo funds, etc. Minsan bumababa yung value nya, kaya its either malugi ka, nonetheless, hindi naman lahat ng oras bababa yung value, its all about cycle, my ups and downs. Maybe sa service nila noon and sa other agent na nagrecruit sa kanila, we can say na irresponsible after the recruitment, however, sa akin naman ngayon, maganda naman ang service nya. I used to pay sa PALAWAN PAWNSHOP up until now, and I see no problem with it at all. After ng payment ko sa Palawan, two to three days mag tetext si Palawan na nareceive na ni KAISER ang payment ko. From time to time I check my KAISER PORTAL if posted na yung payment pati ang official receipt and it takes within 3-5 days ang posting and again I dont see any problem with that at all. During the pandemic, nagka problema ang account ko at nagkaroon ng lapse for two months, pro binayaran ko sya doon sa naglapse. Pro ang nagrereflect ay inactive pa rin yung account ko. I contacted my tita which is an agent of IMG at nag follow up sa KAISER about sa aking acoount. I have my palawan receipt since doon ako nagbabayad, up then, naayos yung account, it took three weeks ng dumating yung email about sa aking account at naayos na sya. Thankfull ako sa agent which is my tita, kasi she was always there. Sa aming pamilya, mother side, tatlo kaming client ng KAISER, which is my tito at tita na kapatid ni mama, at doon sa isa ko pang tita na nag invest thru mutaual funds sa halagang 20 pesos per week or month, its your choice. Doon sa pagiging agent mo, it always a choice if you want to be or not. My tita said to me na kung gusto mo, I will be here to guide you. Pro walang pilitan na nangyari maging sa pag sign up, walang pilitan, pro it took me a month to sign up at naunawaan naman nya, kasi sabi nga nya, kung nag aalinlangan pa ako, pwede pag-aralan ko daw muna. For every queries na tinatanong ko sa kanya from time to time, she was there to answer it. Now I am on my fourth year in KAISER. I have my mutual funds for as low as 20 pesos. I am not an agent of IMG, I am a client of KAISER sharing my own experience and enjoying my benefits like dental care, and annual medical exam since every year ay nagrerequire sa aking work ng lab./medical results.
Hi.. may nakuha ka po mga hulog mo? I want to stop din po eh.
100k mahigit na ang na invest ko. And hndi ako maka move on na nakapag invest ako ng ganito. Sa pagkakaalam ko, kung meron mang makukuha barya lang yun. Since nasa accumulation period ka pa. Yung nag sign up sakin ang bait and accomodating nung ni signup ako pero pag may mga updates na needed, bugnotin na.
I feel sorry about you, maybe. it’s a misunderstanding and mis-information, In IMG, it is a teamwork, maybe your sponsor is the problem,not the IMG or Kaiser, compared to other healthcare because I got one from other , I am happy with Kaiser rather than the other one (I don’t want to name this healthcare so as not to be unfair, by the way I got this other healthcare because the agent is my friend).maybe if you will give another chance to settle this, it would be fine to both of you.
Hi.. update pls kng may nakuha kyo refund? Kasi i also cancelled my policy and i send ticket many times but they are not answering. Yung agent ko naman sinabi lng sakin na you try to cancelled andyan nman yan. Tinuruan lng ako tpos no more. So i have to do it on my own. Pag kukuha ka policy sobrang bilis nila mag accomodate pero pag mag refund ka d na papansininnyung concern mo.
How I wish I just listened to my gut years ago. They are very friendly and quick in letting you in but so slow in updating your payments.
This blog is good and I don’t want to discredit this blog which was written many years ago. 😊 Hi, I just joined IMG and really, I am really grateful from my MD and SMD because I was redirected from being a spender into saver. I agree that may be you have met an SMD that doesn’t care about your financial growth. Really, please do not close your mind nor generalize all its members and IMG as a whole as “just-another-MLM”. Plus, because you stopped being a member and stopped your Kaiser LTC you have missed the chance of getting to know the system more and understand IMG’s thrust and direction towards financial freedom. Thus, you have focused on your bad experience from a bad SMD. 😊 I pray you have healed by now and I pray you prosper even without IMG. Bless you writer.
This blog is good and I don’t want to discredit this blog which was written many years ago. 😊 Hi, I just joined IMG and really, I am really grateful to my MD and SMD because I was redirected from being a spender into saver. I agree that maybe you have met an SMD that doesn’t care about your financial growth. Really, please do not close your mind nor generalize all its members and IMG as a whole as “just-another-MLM”. Plus, because you stopped being a member and stopped your Kaiser LTC you have missed the chance of getting to know the system more and understand IMG’s thrust and direction towards financial freedom. Thus, you have focused on your bad experience from a bad SMD. 😊 I pray you have healed by now and I pray you prosper even without IMG. Bless you writer.
Thanks to this. I’m actually thinking to get one…hmmmn..
Hi, in my opinion your personal bad experience should not be bound to discredit the company (IMG/Kaiser). I had the same experience as yours 15 years ago Invested in one of the big Insurance company but I understand that the problem for the no remittance was with the Agent handling my account and I cannot run after the insurance company because they know nothing about my transaction with this Agent. There were payments (2 semi annual payments) not remitted to the Insurance company which resulted to request for reinstatement but I did not give up my plan.
I recently joined IMG mainly for the purpose of investing in mutual fund and in fact no one recruited me, I just approached one of my friend who is an IMG member to ask about the Mutual Fund. I didn´t know that they also have this long term health plan but when this product was offered to me I found it important to prepare for my future, so then I decided I buy the plan. IMG is not into hard selling the products of their partner, they are more concern about financial education. If you understand the importance of saving, then it is up to you to decide if you want to get the plan or not.
I hope you find your way to prepare for your future with other companies because definitely you will need it.
Again, you are just unfortunate to be come across such an Agent who is only for money. Wish you all the best.
Be careful with IMG.
IMG is partnered with the World Financial Group (another Multilevel Marketing entity), an American disreputable company notorious for exploiting people inexperience to sell their products. Here some cases published in Wikipedia:
1. In 2006 WGS was fined for exploiting elderly people by selling them unsuitable products. There were also various cases processed in private arbitration of selling products to people too old to realize any benefit before they died.
2. In 2007 WGS was fined because its representatives misrepresented their credentials and services to seniors.
3. In 2010 WGS was fined for unauthorized sale of private securities.
4. In November 2010 WGS paid a penalty for the fraudulent selling of unsuitable securities funded using home equity derived from the refinance of the customers’ homes into subprime mortgages.
5. In 2018, 12 former WFG agents were fined $865,000 for falsifying information of a total of 95 documents and committing other offenses to facilitate leveraging investments.
WGS is exploiting the inexperience of the Filipino people and counting on the slow and cumbersome judicial system of the Philippines to mis-sell financial products.
IMG ‘free financial education’ is, obviously, a good marketing idea to sell financial products from which IMG earns indirectly (That’s why is ‘partnered’ with WFG and also Rampver).
The ‘teachers’ are unqualified and know virtually nothing about financing, they just repeat what they are told. The information given are at best limited and lack many basic principles of investing.
IMG financial education is selective and self-serving: for example, IMG does not teach about so called ‘passive’ funds because they have virtually 0 (zero) commission and IMG’s ‘partners’ would not earn from them. Bear in mind that passive funds statistically have shown the same return of actively managed funds. Called ETF (Exchange Traded Funds), passive funds can be bought in the Philippines (some Philippines banks offer them) or also using an international broker (there are many that accept Filipino investors and you can open an account with them).
Kaiser health insurance promoted by IMG (life health insurance paid with only 7 years of installments: hurray!!!) is very suspicious. According to the description given in the web (I could not find the proper agreement), the health assistance you receive is limited by the payment you make and by how much the invested payments grow during the years (IMG bases its calculation on 10% per year, which is very, very unlikely. A more realistic rate would be 5-6%). At the beginning everything will be ok, but when you are old you will find out that you have only a limited cover and even less if the markets crashes. In short, it is absolutely the same as if you regularly invest in a fund and use that money to pay for your health expenses: Kaiser calls it health insurance to lure people into buying it. It is just another clever marketing idea and there will be more to come…
OMG Joseph thanks for this. I was wondering about this since my Father in Law is still caught up with WFG and now he is in financial ruin. That’s why they also have green jackets and their positions are exactly the same. I work in welfare and I have encountered WFG Senior Marketing Directors that applied for Food Stamps because they are only making $2000 a year in their tax returns. This piece of information will really help in my deep dive of IMG. By the way a subsidiary of WFG, https://worldsystembuilder.com/30m/ have the exact 30 by 30 Campaign. It really makes sense now that they are connected. Thank you so much Joseph!
Thanks Joseph
😱 OMG . Thanks for sharing Joseph
If you already have hmo provided for by your employer, no need for health insurance. If you want investment, look for insurance company’s or your bank–they also offer investment portfolios or try to learn investing in the stock market. There are 101 ways to learn online.
Sir, if magreretire ka na sa company mo anong mangyayari sa HMO?
Hi,
Nagreresearch ako about MLMs in the Philippines when I came upon your blog. Great job by the way. Puro positive videos lang nakikita ko sa youtube and lahat cla member ng IMG kaya siyempre meron clang agenda. I believe that MLM uses the bad apples defense but napansin ko na and issue tlga is yung system. Pansin ko lang din eh ung IMG parang photocopy ng WFG or World Financial Group, pati Green jackets meron sila, btw scam din and WFG. Here is the link https://worldsystembuilder.com/30m/ Ang ginagawa din ng WFG ay gumagawa cla ng mga subcompanies dahil nga dami na nila negative media. Yung isa sa mga subcompanies nila is meron din 30 by 30 campaign. Hmmmm. Keep up the good work and I’ll send you a link once I finish my youtube video, gagawin kong tagalog for the people in the back.
Well said Edmund, Im making a video about MLMs in the PH at if you look at the system kamukha tlga cia ng WFG World Financial Group here in the US. Nabiktima din and Father in Law ko at now wala ciang retirement.
NOT TRUE BECAUSE NO BODY WILL PUSH YOU TO INVEST IF U DON’T LIKE AND BESIDES IMG IS JUST A FINANCIAL EDUCATOR. AM 6 YRS NOW IN IMG AND I AM ENJOYING THE BENEFITS OF BEING A MEMBER… KUNG KULANG KA TALAGA SA KAALAMAN ALL U CAN SAY IS SCAM SI IMG BUT IF U GO DEEPER INTO LEARNING MARAMI KANG MATOTONAN PAGDATING SA TAMANG PAGHAWAK NG PERA AND YOU WILL KNOW MANY SECRETS OF INVESTING NA DI ALAM NG TULAD KO NA PAGKARANIWANG TAO SA LIPUNAN. THANKS TO IMG ANYWAY DAHIL NABAGO ANG PANANAW KO PAGDATING SA PERA FROM BEING SPENDER TO SAVER, FROM BEING A DREAMER TO DOER…
What I say is true.
pwede nmn magbago pananaw mo sa pera ng di sumasali dito,, I rather put my money on stocks/crypto investments than joining any MLMs (including IMG) in PH. No recruits, no seminars, just do your own research.
Thank you for this. It somehow helped me to burst my disappointment on this MLM company. Actually, I am a member of this company but not that Kaiser program. I only participated the mutual funds. I encountered problems with my payment just recently because it was not still approved and I don’t know who to blaim, the bank or the company by the way, I paid thru bank transfer. It frustrates me a lot because it’s already been a week and no email was being sent to me telling me or informing me the status of payment. I emailed their customer support and their replies was all trashes!! And right now, am still waiting for an update. I talked to the agent who assisted me from the beginning and then what he just said was he’ll try to email their support team. And I felt irritated by the way they try to convince their members to recruit someone!!! After my concern be resolve, I will withdraw all the shares I have and will not ever do the same mistake again.
The staff at the mutual fund company I spoke to years ago told me he doesn’t trust IMG, so I went through a registered financial planner/educator and now directly investing. The registered financial planner only helped me get invested for mutual funds but never controlled me.
in my experience 11 months my payments are not posted until I ask the intervention of Insurance Commission. Now, it reversed they want me to apologize for stating my problem and the problem of other people who has problems with payments.
hi. same concern.. may i know if you received your withdrawal? please tell me how you did it? thank you!
hi. same concern.. may i know if you received your withdrawal? please tell me how you did it? thank you!
p.s. please email me.
Sir what did you do in your money? Did you pull it out? Email me sir. I am also have same problem in my kaiser account. Thank you.
Nood po kayo ng DZMM Teleradyo twing Sabado ng umaga, sa Kwarta Kusina Kape at Salita Segment, pinapalabas doon ang IMG. Nag-eeducate doon ang BIG THREE (3 Persons) founder of IMG na ang ginusto lang ay matuto at maeducate tayong mga Pinoy sa tamang pag-iipon. Take note , DZMM, (hindi nagsisinungaling ang balita). Proud IMG ako for 3 years na sa February,sobrang thankful ako sa dami ng natutunan ko. Sinasabi ko to hindi porket IMG ako, kundi dahil BLESSING tlaga sa akin ang learning ko with IMG!. If a was being fooled and taken advantage of anyone here in IMG, di ako tatagal ng 3years ! Dami ko na sinalihang company, dito ko nakita sa IMG ang BIG PURPOSE sa buhay ko at sa buhay ng iba kasi andami ko narin nasharean dito at naging Part ng IMG.
Ang experience ng writer ay tru the hands of a person na pinagkatiwalaan nya sa IMG but id doesn’t mean, BUONG IMG MEMBERS at ANG IMG ay ganoon na rin. Maaaring sa isang gurpo/institution/organization may bulok, pero di ibig sabihin bulok na lahat.
KAya mahalaga ang Training and Tuloy-tuloy na pag-aaral sa IMG kasi DIY Investing dito. Dapat ikaw mismo inaaral mo pinapasukan mo, wala kang ibang aasahang tao sa IMG kundi ikaw. Additional Help nlang ang nagdala sau sa IMG p, hindi ibig sabihin, dinala sa IMG eh, eh sya na bahala sayo sa lahat ng transactions mo. Yon ang mali mo writer, inasa mo sa knya pati pagbabayad, pag pera ang usapan, marami nasisilaw dyan) kaya aral aral palagi sa lahat ng papasukan. I am not blaming you at all, pero ung taong nagrecruit sau sa IMG, di ka ginabayan ng maayos,ang members ko lagi kong dinadala sa training para sila mismo matuto,para alam nila gagawin sa mga Investments nila Maybe hindi ka nya ineducate nang maayos at di ka nya ineencourage mag attend ng training or ikaw mismo ang walang time.
Kung pangit ang IMG, matagal na gumuho ito, 18 yrs na si IMG by the way. Ang pangit na COMPANY kahit gaano karami ang members, kapag nag-ingay ang mga kasapi dito babagsak at babagsak ang pangalan nyan, masisisira yan sa public, pero bakit hanggang ngayon mas lalong lumalawak ang IMG, pati Financial Centers all around the world. Simply becoz IMG helps PEOPLE. At MARAMI KAMING MAGPAPATUNAY NYAN.
WAG MANIWALA AGAD AGADSA NAKIKITA NG MGA MATA. PASUKIN MO PARA MALAMAN MO MISMO, DISCOVER IT BY YOURSELF
I agree with you on sone points. Pero sad to say, marami sa mga members ng IMHG ay di matuwid. Bakit? Kasi hindi lang ako ang msy masamang karanasan sa IMG. Umalis ang kaibigan ko sa IMG dahil hindi naging transparent ang ibang members ninyo sa pagexplain. Nagsisisi siya sana nag philam plan na lang daw siya. While HINDI lahat ng miembro ay ganoon, pero tila me as marami ang di maayos. At IYAN ang dapat syusin ng IMG. YOU have to acknowkedge that somehow there are crooked members of the organization. Huwag ninyong ipagtanggol na parang walang mali dahil meron. That is what makes me more disgusted about the whole thing. No one acknowledges that yhere ia really something WRONG with some of the members. I agree it
is eachh person’s responsibility na pag-aralan amg bawat pinapasok na investment, it is also responsibility of the member to be truthful and transparent. Ang kaso iyung iba ang habol lang referral fee. Aminin mo man o hindi pera-pera lang talaga. So it is hard for me to believe that all members are really into educating others.
Lastly, I left the group kasi misinformed ako. Kumuha ako ng mutual funds nuon thru IMG. S sobra akong nainis kasi jindi nila inexplain maigi amg process. Naghintay ako ng ilang linggo to know na naipasok lang pala nila ang pera ko sa MF company after two weeks. Isipin mo mas mura ko sananhg nabili ang MF kung naipasok mila ng mas maaga. Natengga lang ang pera ko. Hindi lang iyun, pati tungkol sa kung paano mag work ang MF mali rin explanation. Hindi mila alam kaibigan ko mismong investment broker na siyang nagsabi na mali ang pinagsasabi nila. Kaya I ended up investing my money directly to the mutual fund company instead.
So isa lang iyan sa mga di kanai-nais na experience. All I am saying is, acknowledge there is something wrong and correct it. Huwag natin ipagtanggol ang img na as if walang mali. Merong MALI, MERON TALAGA. At iyun ay ayusin ninyo mga ibang miembro ninyo.
Salamat
Hi Rowena. Baka pwede tayo mg kaisa at lumapit Kay Mr Tulfo. Hindi po ako mpakali dahil nga NON-REFUNDABLE daw.
Pwede rin ba ako mag share ng exp.dito being a member of IMG/Kaiser Health Group? Wala akong nakikitang masama sa broker IMG at sa Kaiser, sa nakikita kong may kakulagan ay yung tinatawag na upline ko. Six months na akong member pero hanggang ngayon hindi parin maliwanag sa akin lahat kung papaano ang system gagawin like how to pay my kaiser premiums sa pamamagitan ng system, kahit inaaway ko na sya dahil wala syang time idiscuss o i-demo sa akin dahil busy sya sa kanyang promotion na nira-run, gusto ko na saa syang palitan as my upline..anybody here can help?..please do. I joined IMG dahil ang ganda ng itinuturo about financial literacy it really helps me to improve being lack of education, and it is a free learning online, Ang kiniinisan ko ay ang aking upline, kase itinutulak nalang ako ngayon na manonood ng mga you tube VIDEOS sa IMG PARA MATUTO SA SYSTEM.
Sana may makakabasa na IMG MEMBER nito at ma-help akong matututo lahat paano gagamitin ang system lalo na sa mga payments ko Kaiser dahil ayoko masasayang pera ko, lahat pa naman na tatlong anak ko ay kinuhaan ko na ng Kaiser plan at bale apat kami may Kaiser Health Care na biabayaran ko. At AYOKONG MATULAD SA ISANG NAG COMMENT dito na nasasayang lahat ng ibinayad nya dahil sa agent nya.. Please advice anyone me. Thank you po.
Ms. Marites Adonis,
Magpunta sa FB, hanapin ang Kaiser/IMG Talk, at doon magtanong.
Baka ako din ang sumagot 🙂
Joks lang. Marami ang generous na tumutulong maski hindi kakilala.
Ms. Mai,
Pakibasa ng mga bagong comment. I explained bakit hindi refundable.
Ang magandang analogy ay: ang Kaiser ay parang car insurance na non-refundable.
Pero ang car insurance, tuloy tuloy lang ang bayad. Tigil bayad, tigil proteksyon.
Ang Kaiser, 7 years lang ang ang bayad. Pagkatapos ng 7 years na bayad, continue pa rin ang protection for at least 20 years. Nagsisimula magka cash value ito after 2nd year.
Pag hindi nag-claim ng hospitalization during the first 7 years, may money back na up to 85% of all premiums on the 20th year.
Mas ma-explain ito sa Kaiser webinars.
Ms. Rowena
I agree not all our members are into education. There are some with less than pure motives/objectives. Pero that should not stop us from doing what we do.
Ang aming slogan at “We educate because we care”
Ang ibig sabihin nito ay we teach people to be responsible for their financial future.
Ibig sabihin, hindi namin biba-baby-sit ang members.
We educate. We care.
Kaya implied na do-it-yourself.
Kung hindi ka kikilos, sino ang kikilos?
Kung hindi ngayon, kailan pa?
The system is not perfect. We are a bunch of people learning about money.
Pero “we stumble forward”
Maski may mali, gagawin namin ang tama, and we take responsibility for our actions.
May nagkamali, okay lang iyon!
Pero hindi mo naman dapat i-equate ang pagkakamali sa maitim na motibo.
We work with the system, and let the system help us achieve financial freedom.
kung nagkamali ang iba, baka tayo nagkamali din?
Nobody in IMG says it is perfect. Not the President or chairman, or builders, or marketing directors or members. Everybody says there is something wrong. We agree there are things to fix. Pero that is life, hindi ba?
Nothing is perfect. Pero….
Yung parts na may sabit, iwasan.
Yung parts na hindi maintindihan, unawain, aralin.
Yung parts na umaandar, gamitin!
We have former janitors, construction workers and security guards now earning 6 figure monthly income.
We have highly paid professionals with 7 figure debt now debt free.
We have OFWs with no savings after 30 years abroad, ngayon may savings na at nakauwi na sa pamilya.
Kasi nagaral sila tungkol sa pera, at may ginawa sila.
Kasi nagtipid sila, nag-ipon, nag-palago ng pera kaya ngayon ay masaya
Kasi nag-trabaho sila, hindi nag-reklamo
Nakita nila ang solusyon, hindi ang problema.
Sana ganoon ang lahat.
Walang naso-solve ang reklamo.
Ang solusyon ay trabaho at action.
Mas maganda pala mag-summarize na ganito.
Pag gusto, may paraan.
Pag ayaw, may dahilan.
Mayroon ka bang paraan, o dahilan?
#CoachBobet
I forgot to say, every 6am-7am mapapanood ang IMG sa DZMM Teleradyo, Kwarta Kusina, Kape at Salita Segment. Merin din sa Youtube , Your Money Matters of Ms.Rissa-Sison Kawpeng (news anchor) educating people financially featuring IMG Members whose lived were changed and tranformed with the Learnings from IMG.
ISa lang ang maiiwanan ko sainyo, kumbaga sa tao, may kakulangan man, but we can not put a Good Man Down. Sa dami nang natulungan ni IMG, isa na ako doon, lahat kami magsasalita ayon din sa karanasan namin. not becoz we are IMG’s but becoz we are being HELPED with this Company.
If u want to learn and be educated, attend ka ng Financial Literacy Class namin, message mo ako sa fb facebook.com/kaye.faderog (fb name Venus Kay Faderog Lpt)
Sakto nag ba browse ako and nag create ng youtube channel ko , nadaanan ko ito, nakakalungkot ang karanasan ng writer at nakakalungkot ung mga messages dito ng mga tao na wala naman mismo sa IMG at baseless ang sinasabi.
Walang perpektong company, lahat yan ng flaws, ang tignan mo kung paano ka natutulungan, hindi yong puro kamalian. in my case, mas malaki ang naitulong sakin kesa sa mga conflicts na nakakaharap ko na sa IMG. Lahat naman nareresolve eh, just ask help and pa mentor ka lang. Here in IMG , we need a Mentor, we need a Coach. Dapat coachable tayo dahil pag natuto tayo, tayo magbebenifit dito. Walang iba.:) #ProudIMG here !!
Anu ang kaibahan ng agent ng isang insurance company na nagkakaroon ng commision sa bawat tao na napapakuha nya ng insurance kumpara sa isang IMG member na nagrerecruit ng tao para maging downline na nagiging way para magkaroon sya ng commision din?
Diba parang wala naman kaibahan, nashare ko lang..
Ang agent na nagbenta ay may commission. Si client nagbayad, si agent kumita.
minsan pa, ang plano maganda para sa agent, pero hindi para sa client. Ito ay ginagawa para sa commission.
Sa IMG, kung gusto mo tumulong sa tao, tuturuan mo sila tungkol sa pera. Tuturuan mo kung ano ang magandang financial solution o plan para sa client.. Tuturuan mo rin paano mag-share.
Kung si client, natuto mag-share ng tamang information sa iba, nakatulong na, kumita pa!.Ito ay ginagawa para sa mission.
Mission muna, bago commission!
Good decision! Just think of the cash flows you released…
Nag iinvite ata sila ngayon thru FB ngayon pag launch ng DITO. Maging automatic shareholder raw.
Question lang po licensed po ba yung mga members of IGM? I mean sa other Life Insurance (though medyo HMO si Kaizer) may exam to have a license to sell products for insurance and investments. Thanks po sa sasagot
Based on the people I know who were connected to IMG around that time, no. They were not licensed/registered. They were just networkers. My workmates’ grandma became MD (marketing director) because she was able to recruit 3 people, including 2 of her grandsons.
Many years ago, internal training lang mayroon sa members ng IMG. Pero ngayon, marami na sa IMG ay Associate Financial Planners (AFP), certified by Registrered Financial Planners Institute of the Philippines. ( rfp.ph ) . I-google ninyo. Most life insurance agents are not certified. Sa IMG, we have thousands of AFPs
Marami sa IMG ay Licensed Life Underwriters, na licensed ng Insurance Commission, at ng life insurance company. Pag nagmember ka ng IMG, tutulungan ka rin maging AFP at Licensed Life Underwriter.
Ang mga nakikita ninyo na nagsasabing “Licensed Financial Advisor” ay hindi siguro naiintindihan ang license nila, kasi walang ganoong license na ini-issue ang Insurance Commission. Maghanap ng financial educator na nakakaintindi ng kanilang license.
Kung ang inyong financial educator kulang sa explanation, sabihan na gusto ninyo makausap ang trainer niya.
Aral muna bago invest at insurance.
#CoachBobet
Backout din ako kssi Ang problema non-refundable daw. Bakit Ganyan Ang policy Nila at Hindi naman sinabi sa akin na non-refundable. Gusto ko mabawi Ang nabayad ko at ma’close ang account ko sa IMG at KAISER.
Omg. di pala refundable 😦 what a waste huhu
Ang deposit solutions ay withdrawable. Kaya ang bank deposit pwede iwithdraw
Ang pure investment ay usually refundable, after investment fees/charges/market fluctuations. Ang binili mo ng P100, kung bumagsak ang presyo to P80, makuha mo na P80.
Pero ang protection solutions at consumable solutions, hindi refundable after the “free look” period. Ang life insurance premiums usually pwede ma-refund in full within 14 days free look period. Pagkatapos noon, hindi na refundable, kasi tumatakbo na ang protection.
Ang kotse na binili mo ng P1m, pagdeliver pa lang sa iyon, siguro P900k na lang ang value. Pag inuwi mo sa bahay, P800k na lang siguro ang value. after six months, jung hindi mo mabayaran ang installements, i-repossess ng financing at wala nang isosoli sa iyo, may utang ka pa.
Aral muna bago invest. Unawain muna ang financial solution bago kumuha.
Kung naunawaan mo ang Kaiser, malalaman mo na ito ay 3-in-1
Ito ay life insurance if you die too soon.
Ito ay healthcare if you get sick
Ito ay investment if you live long ( and don’t die too soon, and dont use up all healthcare benefits).
Ang Kaiser plan mo ay may life insurance benefit.
Mas malaki ang makukuha mo, kaysa sa total ng premiums na babayaran mo if you die within 20 years. Double pay kung by accident.
Kung may accidental dismemberment, maaring mas malaki pa sa total premiums na babayaran ang makukuha mo, halimbawa kung mawalan ka ng 2 kamay.
At sa susunod na taon, maaaring maulit ito kung mawalan ka naman ng 2 paa.
At sa susunod na taon, maaaring maulit ito kung mawalan ka naman ng 2 mata.
etc.
At maging fully paid din ito (wala nang babayawan na premium) kung ikaw ay maging totally ang permanently disabled.
Hindi refundable during the early stages ang Kaiser, kasi you already enjoy protection benefits . Karamihan ng protection solutions ganoon. May alam na ba kayo na car insurance na refundable?
Insurance pa lang iyan.
Mas maganda ang healthcare at investment component ng Kaiser.
Pero once your healthfund begins to grow, pwede na siya ma-“withdraw” as healthcare utilization. After 20 years withdrawable siya as cash,.
Kung gusto matutunan ang long term healthcare, aral muna.
Contact me or join our free webinars so we can explain in more detail.
#CoachBobet
I loved reading this.
Gigil na gigil ako sa IMG Agents ko. Gusto ko na lumapit Kay Mr. Raffy Tulfo pra malaman amg lahat.
Kung gusto malaman ang tama, magtanong sa nakakaalam, hindi sa walang alam sa topic.
Do-it-yourself ang IMG, so not all members can explain properly. Newbies are advised to let their trainers do the explaining while they learn, pero marami excited mag-explain on their own.
If your IMG agent is unable to explain, I am happy to explain. That is our mission
Search mo lang sa google o sa FB #CoachBobet to reach me
Hi.. Has anyone tried to cancel there kaiser plan? Pls help paano mag cancel ng plan? 1 year din ako nag bayad. Sayang ung pera.
Yung siniraan NyO Ang IMG because gusto NyO pumasok SILA sa colfinancial 😆😆 award sainyo
IMG and COLFinancial are not on the same league. Because IMG is MLM, COL is not.
Hi maam, Im Louise. Bumped in to your post since I was looking for any thing that would help me have a fix decision of continuing or just discontinue. Im curious if I can still refund the few payments I made from the Kaiser Plan ? I was planning to discontinue it due to pandemic. Would love to hear your ideas here. Thaaanks maam!
I was finally convinced to get one. I paid the membership and the kaiser healthcare only for one month, so d p ganun malaki nawawala skn, I will back out, I feel n napakavague ng process, when I paid them thru metrobank, walang IMG name, account lng tapos transferred na, Malay ko b kung kanino papasok un, suspicious
If you look at your machine validated deposit slip, may account name iyon.
Walang bank deposit na hindi nakalagay ang account name. It is simply not allowed by law and not allowed in any bank and not allowed in their systems.
Sa foreign banks lang allowed ang transactions with unnamed accounts. Wala sa Pilipinas ng ganoon, dahil sa anti-money laundering law.
Good for you BUT NOT all have the same experience. Mas marami pa rin ang mga naloko ng iba ninyong member. Kung siguro ikaw maganda ang karanasan ko mas.mainam na bilang member may magawa ka o masuggest para umayos at maayos ang mga iba ninyo mga kasamahan diyan. Kasi sa totoo lang IMG is Networking company and tje members benefitted MORE on recruitment. Kaya nga may nakakapunta sa ibang bansa dahil reward iyan for being a top recruiter. As.for me, Kaiser was not very transparent at all and so is some of your members there. As they say, there is always a rotten tomato inside the basket
I agree there may be rotten tomatoes.
But your conclusions are based on wrong assumptions / beliefs.
IMG members make no money on recruitment. Those doing the IMG business, are simple agents much like insurance agents. However, we are mission driven. Not commission driven. Unlike insurance agents who try to sell life insurance regardless of the requirement, unlike memorial plan agents who try to sell memorial plans regardless of the actual requirement, Our mission is to simply teach people about financial concepts strategies and solutions, so they will know what they need. Then we help them execute.
Kung kailangan ng life insurance, tutulungan kumuha ng life insurance.
Kung kailangan ng heathcare, tutulungan kumuha ng healthcare,
Kung kailangan ng investment, tutulungan kumuha ng investment.
Kung kailangan ng memorial plan tutulungan kumuha ng memorial plan.
Most IMG members join because they want to invest in mutual funds or they want to have memorial plans.
We help them invest in mutual funds and get the free memorial plan, even if we have no commission for mutual funds ( zero load ), and the free memorial plan.
We’re crazy people “working” by helping people, and we are happy even if it means zero revenue for the time and effort. Ang mga nakalibre, sila pa ang nagsasabing scam, hahaha.
Kaya may nakakapunta sa ibang bansa ay dahil sa rewards for high results. This is a common incentive for any sales or marketing company, kaya hindi naman siguro dapat maliitin o masamain.
Kung may tanong, maaring ako ang sumagot.
#CoachBobet
Maganda pa rin direct sa agent katulad sa daddy ko. Agent niya sa pagpasok sa insurance, agent niya na maaasahan hanggang namatay ang tatay ko. Kilala mo pa ang tao. Hindi yung pinapasa ka lang sa isang agency. Kung gusto niyo mag invest, lahat ng insurance company, may mutual fund yan. Kung gusto niyo sa stock market, mag COL financial kayo, pwede pa kayo mag trade, may free seminar din ang Phil. Stocks Exchange natin. Kung gusto niyo magtrade sa Bitcon, mag Binance kayo. Ganun lang kasimple. Kung gusto niyo financial education, mag chinked tan kayo libre pa. Kung gusto niyo matuto ng ditalyado, mag youtube kayo, nandun na lahat..
Hi, I have also invested around 30k under IMG. is there any way we can pull out this investment?
walang investment sa IMG.
Ang lahat ng investment through IMG ay investments sa ibang companies dahil broker lang ang IMG members. Halimbawa, maaring mag-invest through IMG :
— para bumili ng condo sa Ayala Land o SMDC
— para bumili ng mutual funds sa Sun Life Asset Management, o sa PhilEquity
— para kumuha ng long termhealthcare mula sa Kaiser
— etc
Ang aming mentors sa IMG, ay kasama si Bo Sanchez ng The Feast at si Rex Mendoza ng Rampver Financials ( biggest provider ng mutual funds sa Pilipinas). Ang nagtuturo sa amin ng investing ay ang mga mutual fund companies gaya ng ATRAM, BPI Asset at Sun Life Asset Management
May lampas na 2,000 na financial planners sa IMG , certified by RFP Philippines.
May thousands of life underwriters / financial advisors sa IMG, licensed by the Insurance Commission.
Hindi po kami nag-bebenta ng VUL. Hindi po kami nag-aalok ng insurance na mabababg coverage sa malaking hulog,
Ang turo namin ay paano mag-save, mag-invest at maghanda sa kinabukasan. Recommended namin ang life insurance na mataas ang coverage na mababang hulog.
Sana naman mag-research ng kaunti ang mga may maaanghang na sinasabi tungkol sa amin. Kami, pag mag gustong sabihin, gamit ang aming mga pangalan. Hindi kami nagtatago na walang pangalan,
Mayroon kaming libreng financial education, may free eBook sa financial planning at free na webinar para mas madali matuto.
.
A dear friend of mine wants me to join Kaiser and IMG. Buy i am thingking well before diving into a long term investments. So sa mga die hard IMG and Kaiser members… how can you convinced me to get involved with your group? I believed that nag operate na kayo 15 or 20 years na. Please share videos of the happy beneficiaries that they recieved their 85 percent of their ROI after 7 years of maturity then baka mag change mind ko mag join and mag recruit na din ako….huwag nyo sang pong masamain pero wala naman po cguro masamang manigurado, diba? What do you think po?
Inaantay ko sila magreply, until now walang sumagot haha :)) haba ng mga sagot last year pero wala silang resibo. Nahahalatang scam nga
Thanks for sharing this informative information…now i doubt if i still continue to pay my Kaiser healthcare..1 year na po akong nghuhulog ng 4412 monthly.di po kayo malusaw ang perang pinagpaguran abroad…..then 20 years ang maturity…..what if sa 20 years na yan eh maglaho na na sila….please advice me kung itutuloy pa ba o stop ng tuluyan..thanks and godbless
I think we need to stop. Baka kng kelan malaki na nahulog tska magsisi. Mabuti na yung mas maaga hindi ganun kalaki nalugi.
May FB group na Kaiser/IMG Talk kung saan maari kayong magtanong at maraming sasagot. click here: https://www.facebook.com/groups/kaiserIMGTalk/
I had my doubts about IMG when I joined in 2014.
But among the IMG mentors are Bro Bo Sanchez and Rex Mendoza.
Bro Bo Sanchez is the spiritual leader of The Feast.
Rex Mendoza is the President of Rampver Financials.
kung hindi ninyo kilala si Rex Mendoza, i-google lang ninyo, or visit the Rampver channel on Youtube.
— He practically grew the mutual fund industry in the Philippines with Philam Asset Management
— He turned around Philamlife from the worst performing company in the AIA from to best performing company.
— He is a board member of numerous public and private companies, including Globe and Ayala Land.
IMG, Kaiser and a few other members of the IMG group are regulated entities by the Insurance Commission.
There are about 100,000 associate financial planners globally.
About 3,000 are IMG members, certified as Associate Financial Planners ( AFP(R) ) by tge Registered Financial Planners of the Philippines.
Many of those who criticize IMG are simply not doing their homework.
In an earlier post, I said 2,000 AFPs in IMG.
Pero during our exclusively for AFPs-only summit, there were almost 3,000 attendees, so there were at least that many AFPs in IMG, not even counting those who were absent
Hi.. Has anyone tried to cancel there kaiser plan? Pls help paano mag cancel ng plan? 1 year din ako nag bayad. Sayang ung pera.
Hello I just paid my k50 plan and I am wondering kng e tutuloy ko pa po. Just in case mag stop ako may mkukuha po ba ako pag gnun?