IMG Thread

[BatmanBeyond]

Bro, let me answer some of these. We earn thru commissions ra jud sa SALES(Kaiser healthcare, mutual funds, etc.), nothing more nothing less. I think it would be inappropriate kung i detailed jud ngari ang compensation side but I suggest kung naa nay naka discuss nimo from IMG, please ask na lang from that person.

Na compare si IMG sa MLM tungod sa recruitment aspect. But think of this way na lang, you help person to earn additional income. This is for those na nangita ug additional income.

Yes, you are right that it would be better to deal the figures in person.

I would like to clarify lang. U can only earn commissions once you will have a Kaiser sale, which u canget personally or from a client of yours. Sakto ba na?

On the recruitment aspect, yes thats an MLM model. But how about the commission from a successful invite if you are the recruiter and for your MDs?

Thanks for enlightenment Bro.

[medwarc]

Yes, you are right that it would be better to deal the figures in person.

I would like to clarify lang. U can only earn commissions once you will have a Kaiser sale, which u canget personally or from a client of yours. Sakto ba na?

On the recruitment aspect, yes thats an MLM model. But how about the commission from a successful invite if you are the recruiter and for your MDs?

Thanks for enlightenment Bro.

Bro, the first sale would be for your upline(the one who introduced you IMG). You will sacrifice 1 sale(which is usually your own kaiser savings program) in replacement for unlimited sale.

Even you have help many people to enroll in IMG, unless they start also their own savings, you will not receive any commission, not even a single centavo. So it will go back to what I've mentioned above, they will sacrifice 1 sale in replacement for unlimited sale.

The seminars/financial talks are free. We don't earn if we have guests attended our talks.

Hope this help bro.

[makie29]

Mga IMG members and ex IMGs! How do you earn diay? Is okay if i-post na diri?hehe

I am planning to be a member/broker. Planning pa lang and I want to weigh the pros and cons.

Here are my reasons:
1. They have a group term life insurance under PhilAm. At my age, that is around 4,700/annually ra at P1M coverage. But this will increase depending your age upon renewal.
2. I am financial advocate and want to help our countrymen to be financially literate.
3. Commission may be a bonus but no hard selling for me.

And I believe they are using the MLM model, right? If someone can enlighten us, much better. I hope you will refrain from sending pm as much as possible. Or if it's confidential, so be it.

Thanks.

Bro, here are my thoughts about IMG. I used to be a member of IMG but quit because of a very disappointing experience. Let's just say I have some trust issues with some members of the company. However, I'm still working with some of them (the other group of IMG) because I believe in their advocacy. Here are my thoughts on the points that you mentioned:

1. They have a group term life insurance under PhilAm. At my age, that is around 4,700/annually ra at P1M coverage. But this will increase depending your age upon renewal.
*Joining IMG would be a big advantage to you because if you avail the services of its partners, in a way you get discounts because the commissions will go to you. As far as term insurance is concerned, the cheapest that I saw (so far) is the Philam Life plan that is exclusively for IMG. It's way cheaper than what Philam Life is offering. If you're wondering why is IMG's Philam Life is lower than Philam Life itself, it's because of Philam Life and IMG's agreement. IMG cut the commissions so the premiums went lower.

2. I am financial advocate and want to help our countrymen to be financially literate.
*This is a personal opinion but you have to be choosy in joining a group. IMG has different groups what they call hierarchy. One group has a lot of bad eggs.

3. Commission may be a bonus but no hard selling for me.
*Same answer as [2]

You can PM me if you want to know which group am I referring to.

[swapai]

pwede elaborate please uncha ning bad eggs. mehehehe

[appphys_sa_usc]

Bro, here are my thoughts about IMG. I used to be a member of IMG but quit because of a very disappointing experience. Let's just say I have some trust issues with some members of the company. However, I'm still working with some of them (the other group of IMG) because I believe in their advocacy. Here are my thoughts on the points that you mentioned:

1. They have a group term life insurance under PhilAm. At my age, that is around 4,700/annually ra at P1M coverage. But this will increase depending your age upon renewal.
*Joining IMG would be a big advantage to you because if you avail the services of its partners, in a way you get discounts because the commissions will go to you. As far as term insurance is concerned, the cheapest that I saw (so far) is the Philam Life plan that is exclusively for IMG. It's way cheaper than what Philam Life is offering. If you're wondering why is IMG's Philam Life is lower than Philam Life itself, it's because of Philam Life and IMG's agreement. IMG cut the commissions so the premiums went lower.

2. I am financial advocate and want to help our countrymen to be financially literate.
*This is a personal opinion but you have to be choosy in joining a group. IMG has different groups what they call hierarchy. One group has a lot of bad eggs.

3. Commission may be a bonus but no hard selling for me.
*Same answer as [2]

You can PM me if you want to know which group am I referring to.

Pa.PM ko sir makoy unsa nga group,,=)

[inxss4]

IMG! IMG! IMG!

Wa nay anomaliya diri karon?

[makie29]

IMG! IMG! IMG!

Wa nay anomaliya diri karon?

Join the right group lang para likay anomaliya.

[makie29]

pwede elaborate please uncha ning bad eggs. mehehehe

Bad eggs are those members nga nagdala ug kadautan sa company. Some (but not limited) of the things that they do are not remitting premiums, kiting (paying premium of client A for client B's policy), not remitting premium/investment in full and only God knows giunsa nila ang kwarta and for some, making IMG as a networking company. On my two-year stint with the company, mao ra ni akong masulti, if the one discussing to you keeps on pushing nga magpamember na ka or pugson ka kuha ug Kaiser, better stay away. Nag apas lang na sila sa sale. Financial products like insurance, health care, mutual funds, etc. are products that need to be studied first. Di na pareho sa t-shirt nga pwede ra nimo paliton dayun because the wrong kind of financial product can determine your financial future. If you could sense nga they are there to help you (not just earn but in securing your future), that's good pero if pugson ka then ingnon ka nga "ikaw na lang ang kulang para mapromote imong amigo/amiga", then have second thoughts.

[swapai]

if the one discussing to you keeps on pushing nga magpamember na ka or pugson ka kuha ug Kaiser, better stay away.

I made the right decision jud hehe

[rans23]

kakuyaw ba diay og reputasyon aning IMG.

unsa man kung mo-apil ta ani as membro, naay bayad?