Mutual Funds, Bank rates, Insurance Questions and other Investment Questions

[yumi_0379]

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apil mi ani. nitx nko nmo.duha mi mojoin.tnx.

[honey03]

please join this seminar guyssssssss..... hehehe up ta for today....

[honey03]

guys.. attend ta ani.,.. don't worry... it'll be more than just an educational talk.. so, your one hundred will be worth it...

[honey2723]

apil mi ani. nitx nko nmo.duha mi mojoin.tnx.

@yumi - yup... noted your names na...

[mckoy_slipstream]

guys, dnt be afraid to sign up. i attended her last seminar, she wont even sell you anything. she's more into finance education. ok yung seminar, konti lang about investments, its more on awareness about your financial position and net worth.

[honey2723]

guys, dnt be afraid to sign up. i attended her last seminar, she wont even sell you anything. she's more into finance education. ok yung seminar, konti lang about investments, its more on awareness about your financial position and net worth.

thanks mckoy... how is your realization?? na-usab na??

[0riana]

@honey2723: Naay ni offer naku taga IMG sauna. Di bah you're covering life and health insurances as well? Ako nasabtan niya is you will be a member if you the Kaiser plan. Sakto ni?

I was asking how much do you get from selling products. I was asking him kasi before like car or home insurance. He can't give me exactly how much, kay ako lang unta bah if daku2x ug cut then mangunay nalang ko ug pa insure sa among properties kay naa man ko commission, so bali mura discount nalang na sa among part nga naa mi makuha in return...

Also I did asked if for example I get a plan from Philam (if you have that) for a life insurance. I was asking him if the quote is likely the same bah if it's thru IMG or through a Philam agent.

Say if I quote a 30year old person for 1M on the same type of product
through IMG , premium is = 20k/month
if through a PhilAm agent, pare-pareha ra ba kaha sad ang premium sa inyo?

Hope someone can answer this kay mao na wala nila natubag naku sauna...

[innosoftcebu]

Nice point, I hope someone here can make this all clear.

@honey2723: Naay ni offer naku taga IMG sauna. Di bah you're covering life and health insurances as well? Ako nasabtan niya is you will be a member if you the Kaiser plan. Sakto ni?

I was asking how much do you get from selling products. I was asking him kasi before like car or home insurance. He can't give me exactly how much, kay ako lang unta bah if daku2x ug cut then mangunay nalang ko ug pa insure sa among properties kay naa man ko commission, so bali mura discount nalang na sa among part nga naa mi makuha in return...

Also I did asked if for example I get a plan from Philam (if you have that) for a life insurance. I was asking him if the quote is likely the same bah if it's thru IMG or through a Philam agent.

Say if I quote a 30year old person for 1M on the same type of product
through IMG , premium is = 20k/month
if through a PhilAm agent, pare-pareha ra ba kaha sad ang premium sa inyo?

Hope someone can answer this kay mao na wala nila natubag naku sauna...

[Metz]

actually ni attend sad ko ani before.
Honey and IMG opened my eyes.
Both groups offer positive info, naa ray gamay differences on the solutions.

[honey2723]

@oriana - forgive me daan sis pero naglibog ko connect sa imong mga statements.... hehe i'll do my best to answer this...

Di bah you're covering life and health insurances as well?

- Yes, ang INSULAR kay nag-offer ug life and health insurance. As for IMG, BROKER sila sa mga different finance institutions. so, apil na diri ang mga health insurance providers, life insurance providers, mutual funds, etc. This is their website http://www.img-corp.com/index.php.

Ako nasabtan niya is you will be a member if you the Kaiser plan. Sakto ni?

- Dili ko ka-confirm ani, but if i remember it right based kadtong sa nag-present nako nga IMG peeps before. You can get the Kaiser plan even without signing up on being a member of IMG (as a certified broker). If you sign up on being a member of IMG, you get to have "discounts" on your Kaiser plan kay you act as your OWN broker man... So, the commission goes to you, not to the broker who signed you up for the Kaiser plan. Lahi man ilang membership fee... the amount you pay for the Kaiser plan is basically your PREMIUM para sa kaiser plan, it's different sa membership fee. So, better to confirm this with IMG peeps.

I was asking how much do you get from selling products. I was asking him kasi before like car or home insurance. He can't give me exactly how much, kay ako lang unta bah if daku2x ug cut then mangunay nalang ko ug pa insure sa among properties kay naa man ko commission, so bali mura discount nalang na sa among part nga naa mi makuha in return...

- I don't know the reason nganong wala cya nakahatag nimo ug tubag but if you were to ask me, I can't say an exact figure pud kay mag-depende man na sa kinds of products and plans imong kasagaran i-baligya and pila pud ang premium... As for the commission scheme, mu-affect pud na siya sa imong possible madawat... Basically unlimited income ang potential sa business...

Sakto ka as to the mu-unay nalang ka. But if you really want to sell the products, you have to be LICENSED to sell these things. That means, taking an exam provided by the gov't to be licensed agents. The IMG peeps are licensed brokers, not agents. But based atong nag-present nako before, if somebody would be interested to get an insurance plan from them (broker), naa pay laing person (a licensed underwriter or insurance agent) who has to sign sa application form. Licensed lang sila to present the products but as to the closing and signing of documents, kadtong licensed agent ra pwede... Pareha ra gud sa real estate. They have real estate brokers to do the presentation but as to the closing na, it will be the Real Estate Agent who does the closing and signing of documents... Maong lahi ang commission scheme sa broker vs agent.

Also I did asked if for example I get a plan from Philam (if you have that) for a life insurance. I was asking him if the quote is likely the same bah if it's thru IMG or through a Philam agent.

Say if I quote a 30year old person for 1M on the same type of product
through IMG , premium is = 20k/month
if through a PhilAm agent, pare-pareha ra ba kaha sad ang premium sa inyo?

Medyo tricky question ni siya kay dili man ko taga-Philam.. But for example purposes, atong suwayan... hehe

Your question is if pareha ra ba kaha ug premium ang the same plan if you get it from an IMG broker vs a Philam agent. In my professional opinion, it should be the same lang... Why?? Because the quotation of the premium will be coming from Philam (the provider of the plan)... IMG just acts as the broker (or bridge) to the masses... So basically the IMG broker will still ask for the quotation from Philam...

Remember... IMG stands for International Marketing Group... They are a Marketing Firm to help market the products of the companies they represent... As brokers, they can sell different financial products of the different companies under their wing.

As for me and other LICENSED AGENTS out there... If we affiliate ourselves w/ a life-insurance company, we are mandated by law to stick to just one company... If non-life insurance (motor, property insurance, etc), we can affiliate ourselves to a maximum of 7 non-life insurance companies (if memory serves me right)... But as for brokers, just like IMG and other licensed brokers out there... They are not restricted by law to stick to one (for life insurance) or 7 for non-life insurance. Ang affiliation pud nila with the mutual fund companies, kay agreement na pud na between IMG and the mutual fund company...

So, oriana dear... Natubag nako imong question?? Lorenzoleo and other IMG peeps, sakto ra ba akong tubag regarding sa inyong pa-agi?? I spoke w/ 3 IMG peeps already before w/ them not knowing nga naa ko sa insular... hehe so, i did some research pud about sa inyong pa-agi...