maau ba ning IMG?

[Metz]

---

kaiser keeps on using the term 'insurance', regulated b sila ng insurance commission? nothing on the website states that info.

Bai, Im sure they are because if Im not mistaken the term insurance provided by Kaiser is provided by Cocolife.

And if DOH listed ang HMO then nakapasa na na sa requirements sa DOH ug Insurance Commission.
Wa pay accredited sa Insurance Commission nga nidagan, kay required ni sila nga liquid.
Mao bitaw kusug kaayo magpasalig ang mga insurance companies kay liquid jud ang kwarta.
Even if they decide to stop doing business here in the Phils, naa juy mo assume sa policies sa ila mga clients nga lain company before sila mohawa.


And para sa mga concerned to what will happen if IMG will fold, don't worry.
When you invest, your money is not with IMG, it's with the investment companies you chose, ma mutual fund, life insurance, or healthcare ba na.
And as for IMG folding, slim chance ra kaayo, kay the system we've been using has been applied here sa Pinas for almost 15 years and almost 50 years sa US.
Unlike some companies nga di molampas ug 5 years kay dili jud sustainable ila system and I don't need to elaborate why, kay nakita naman sa tanan ngano.

[mckoy_slipstream]

naa list sa insurance commission and kaiser is not on that list. anyways, ive nothng against img, ok sa akin. m just aftr mf. kaiser has only 160m paid capital. what if 1000 tanan wa mkagamit sa health coverage, that would amount to almost half a billion worth of matured policy. lets say 160m grows 10% per year for ten years, abot lang cya 320m, then tanan na policy holder sabay kuha ng lumpsum. i guess u knw wt m talking abt.

[personalmgt]

Never really took IMG seriously until my father's colleague introduced me to it a few months ago. IMG teaches you how to fish. They're not like get-rich-fast companies out there that spoils the fish but not the rod.

Nice company, pero wala lang gyud ko time pa gyud to join and participate on the lectures

[ofw_cebu]

you don't invest on IMG, you invest through IMG, if you are keen to know more about Financial Literacy, then IMG is doing its share to educate the public. . . . for my next MF, I will course it through IMG, si METZ na bahala sa paperworks , but I know which MF to choose and what product to buy/invest and IMG will do the processing for me. . . (soon)....

[mckoy_slipstream]

i know what img is, and again, i have nothing against them, il be investing mf din thru them. m just sharing feasibility of the kaiser plan. i am an investor myself. naa na ko sa stocks and investment with another company.

[kizj]

question regarding IMG,
1. sir, unsa man laing investment nga ilang gi brokeran besides MF? I mean pure investment ra jud..ang uban nila is health care and insurance man di ba...
2. IMG is a broker? for example sir mopalit ko ug MF asa man nako ihatag and money sa IMG or sa MF company? unsa mahitabo sa documentation ana sir?
3. sir kon ang IMG broker, di ba pwede man ta mo deretso invest sa MF company ug di na moagi ug broker? Unsa man ang advantage kon moagi ta sa IMG?

Thanks...

[makie]

naa list sa insurance commission and kaiser is not on that list. anyways, ive nothng against img, ok sa akin. m just aftr mf. kaiser has only 160m paid capital. what if 1000 tanan wa mkagamit sa health coverage, that would amount to almost half a billion worth of matured policy. lets say 160m grows 10% per year for ten years, abot lang cya 320m, then tanan na policy holder sabay kuha ng lumpsum. i guess u knw wt m talking abt.

As far as my comprehension goes, for example Kaiser invests in real estate, the stock market, or maybe just mutual funds, 10% would just be a very conservative amount since mutual funds and stocks could go a lot higher than that.

So for example the whole P160M was invested and grew higher than 10%, then the company is gaining. What if 1000 policy holders decide to take a lump sum at the same time? I'm seeing it this way, every policy holder is just like investing in the stock market or mutual funds but is just given a fixed interest rate of 10% while Kaiser earns more than that. So in the long run, Kaiser is actually earning more than policy holders, it's a win-win situation with Kaiser winning more (not unless if the interest of their investment/s is less than 10% in a year).

That's the analogy that I'm looking at what Kaiser is doing with the premiums.

[mckoy_slipstream]

10% is not a conservative amount if uv tried stocks or mf. dont tell me kaiser can predict the market that it can earn like 15% or more on all its investments. compute, 1000 investors would get 568m vs kaiser's 400m projected income based on a ten year frame.

[makie]

question regarding IMG,
1. sir, unsa man laing investment nga ilang gi brokeran besides MF? I mean pure investment ra jud..ang uban nila is health care and insurance man di ba...
2. IMG is a broker? for example sir mopalit ko ug MF asa man nako ihatag and money sa IMG or sa MF company? unsa mahitabo sa documentation ana sir?
3. sir kon ang IMG broker, di ba pwede man ta mo deretso invest sa MF company ug di na moagi ug broker? Unsa man ang advantage kon moagi ta sa IMG?

Thanks...

1.) IMG carries varied financial services such as health care, life and general insurance, investments (mutual funds), and real estate.

Health Care:

Long Term: Kaiser
Short Term: Intellicare, Medicard

Life Insurance: Cocolife, Grepalife
Gen. Insurance: UCPB Gen, MAA General Assurance, Generali Pilipinas, Malayan Insurance
Investments (mutual funds): PhilEquity, First Metro Asset Management Inc., PhilAm Asset Management Inc., United Fund, Prudentialife Optima
Real Estate: AyalaLand, CrownAsia

2.) Regarding the mutual funds, you open and pay in IMG and IMG will take care of all the paperworks. You will be receiving a statement in a quarterly basis about your investment from the mutual fund company of your choice.

Just submit the requirements and pay the amount (minimum of P5000 to start and minimum of P1000 to add) at IMG through a broker. You could claim the statements at IMG.

3.) The main advantage of either being a broker in IMG or through an IMG broker is convenience. You could actually invest directly to mutual fund companies but since mutual funds companies are located in Metro Manila (Makati City), it's too much hassle to invest directly to them, not to mention the cost of going there.

IMG will take care of the processing of the papers then all you have to do is to keep track of your investment. It's a lot easier to invest through IMG if you're outside Metro Manila.

[mckoy_slipstream]

btw, yung 400m na figure base na yan sa 15yrs projection, 160m x 150%. then now, tell me how can this cover 1000 lumpsum policy withdrawals. kaiser started 2004, lets say the 160m has grown to 256m right now, growing to 640m by the end of 15yrs, bt then, the policy computed is only aftr 10yrs, going 15yrs at a steady 10%, total 1000 policy would amt now to 852m. un lang.