B1 M2w - Kaiser Longterm Healthcare

30/05/2026

💼✨ Financial freedom starts with a plan!

Hi! I’m Perly Melad, a Certified Associate Financial Planner®️ and Independent Representative of IMG. My mission is to help individuals and families build a stronger financial future through proper financial education and planning.

Whether you're planning for your family's protection, your children's education, retirement, or wealth building, I'm here to guide you every step of the way.

📩 Message me today for your FREE Financial Planning Consultation!

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"Plan Today, Secure Tomorrow."

29/05/2026

7 years of saving, a lifetime of peace of mind. 💙

Alam niyo ba na hindi sapat ang savings lang pagdating sa usapang health?

While bank savings and digital wallets are great for daily needs and emergencies, a dedicated Healthcare Plan ensures you're protected for 20 years or more even after you're done paying!

What you get:

✅ Healthcare access while paying

✅ Long-term protection (20+ years)

✅ Possible future fund for your retirement

Alin ang mas bagay sa goals mo ngayon? Let’s plan your future together! 📩

Message me to learn more or join our FREE Financial Literacy Class. 📚

26/05/2026

💥Healthy living is important.

💥Pero minsan kahit gaano tayo ka-ingat, may mga bagay na hindi natin kontrolado.

💥Ang tanong… kapag biglang na-ospital, handa ba ang finances mo?

💥Huwag hintayin na saka ka lang maghanda kapag may sakit na at wala nang income.

✅ Healthcare – Proteksyon habang bata, pondo pagtanda.
✅ Insurance – Garantisadong may maiiwan sa pamilya whatever happens.
✅ Investment – Ang ipon mo, hindi lang nakatago, kundi lumalago!

📩Message me to learn how to prepare for health emergencies and hospital bills. m.me/perly.melad

Libre ang financial literacy via zoom or fave to face.

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26/05/2026

Hindi sapat ang sipag lang… kailangan din natin maging handa para sa mga “what if” ng buhay. 💙

Imagine may 500K kang savings mula sa ilang taong pagtatrabaho, tapos biglang nagkasakit ka.
Ilang taon mong pinag-ipunan… pwedeng maubos agad kung hindi ka financially prepared.

Kaya mahalaga ang:
✔️ Life Insurance
✔️ Healthcare
✔️ Retirement Plan

Para ang pinaghirapan mo hindi lang mapunta sa hospital bills, kundi magamit mo pa para sa mga pangarap mo, investments, at future ng pamilya mo. 🙏

Financial education can be a key factor in deciding your family’s financial future.
Start small today… because small daily habits create big results tomorrow.

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You don’t need big money to start.
Just save 88 pesos a day. 💰

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Message us for details.
Coach Perly & Coach Analyn ✨

20/05/2026

𝗧𝗢𝗧𝗢𝗢 𝗬𝗔𝗡!
Sa isang malubhang pagkakasakit o aksidente, ang milyun-milyong pisong naipon mo nang ilang dekada ay pwedeng maglaho sa loob lang ng ilang araw dahil sa ICU, operasyon, at gamot.

Narito ang ilang paraan para maprotektahan mo ang iyong ipon mula sa biglaang medical bills:

𝗠𝗮𝘅 𝗼𝘂𝘁 𝗣𝗵𝗶𝗹𝗛𝗲𝗮𝗹𝘁𝗵:
Siguraduhing active ang hulog para may awtomatikong bawas sa hospital bill.

𝗞𝘂𝗺𝘂𝗵𝗮 𝗻𝗴 𝗛𝗠𝗢:
Magkaroon ng health card (gaya ng Kaiser, Short term o Long Term) para sa mga karaniwang pagkakasakit at check-up.

Ang Kaiser Ultimate Health Builder ay hindi lang basta HMO; ito ay may tatlong sangkap:

𝟭. 𝗛𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲 (𝗦𝗵𝗼𝗿𝘁-𝘁𝗲𝗿𝗺 𝗮𝘁 𝗟𝗼𝗻𝗴-𝘁𝗲𝗿𝗺):
May magagamit ka habang nagbabayad (7 years) at mas malaking pondo para sa iyong pagtanda (retiree years).

𝟮. 𝗟𝗶𝗳𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲:
Kung sakaling may mangyari sa plan holder, ang pamilya ang makikinabang. Hindi sila maiiwang "nganga."

𝟯. 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁:
Ang iyong binabayad ay lumalago sa pamamagitan ng Strategic Growth Fund para maging cash pagdating ng panahon.

Salamat, Kaiser, dahil nasa iyo na ang kumpletong solusyon para sa aming pangangailangan.💙

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18/05/2026