Questions You May Have in Mind About IMG and our Business
What is IMG?
How Do We Earn?
I want to KNOW the ANSWERS to My Questions
Q1. Based on your website, IMG is an “International Marketing Group, and is one of the few companies of its kind in the industry today - a marketing company”. So basically, you’re marketing/selling these financial services and insurances to us.
Do these companies/partners pays you or do you have a certain agreement with them to endorse them to us?
A. YES. IMG has an agreement with all the companies we are partnered with. Actually, a lot of companies want to partner with IMG as its distribution channel but IMG carefully selects and accredits companies. In much same way, I am sure the companies who partners with us also do their own checking. While our company is marketing financial services, our main mission if to provide financial education to people.
IMG GET COMMISSIONS FROM THESE PRODUCT PROVIDERS. Like any Broker dealer, the commissions are split between the agent that made the sale and the team he/she belongs. This is much the same as of a "traditional insurance companies" that the hierarchy of the organization from the sales agent to the President earns from a sale.
IMG GET COMMISSIONS FROM THESE PRODUCT PROVIDERS. Like any Broker dealer, the commissions are split between the agent that made the sale and the team he/she belongs. This is much the same as of a "traditional insurance companies" that the hierarchy of the organization from the sales agent to the President earns from a sale.
Q2. How can you guarantee that there is no conflict of interest?
A. WHY WILL THERE BE CONFLICT OF INTEREST? IMG ACTS A DISTRIBUTION ARM OF THESE PRODUCT PROVIDERS. WE ARE BUILDING A NEW INDUSTRY IN THE FINANCIAL SERVICES INDUSTRY. IMG IS JUST LIKE SM IN THE FINANCIAL SERVICES INDUSTRY. The agents of the Companies we represent still earns their defined commissions. We in IMG earns also from commissions.
Q3. Are you not just using “financial literacy” as a way to sell?
A. WHY WILL THERE BE CONFLICT OF INTEREST? IMG ACTS A DISTRIBUTION ARM OF THESE PRODUCT PROVIDERS. WE ARE BUILDING A NEW INDUSTRY IN THE FINANCIAL SERVICES INDUSTRY. IMG IS JUST LIKE SM IN THE FINANCIAL SERVICES INDUSTRY. The agents of the Companies we represent still earns their defined commissions. We in IMG earns also from commissions.
Q3. Are you not just using “financial literacy” as a way to sell?
A. WE DON'T JUST SELL. WE EDUCATE FIRST. THEN PEOPLE DECIDE TO BUY. WE SELL ONLY TO THE PEOPLE WHO WANTS TO BUY BECAUSE THEY NEED IT. We are really changing the way financial services is done. Education first. Making sure the client would know what is best for them and then they make the decision to buy.
Q4. Is the “financial literacy” part a marketing gimmick?
A. THIS IS NOT A MARKETING GIMMICK. This is a Mission. This is an Advocacy. We believe that most people fail because they don't have the proper financial wisdom. They are not give the right financial information to plan for their future. And that is what IMG Provides. Financial Education.There is really a big need to educate a lot of people to enable them to execute or do proper saving, investing and protection.
Q5. Are you just here to provide assistance with opening an account with your partners?
A. WE EMPOWER. WE WANT PEOPLE TO TAKE CHARGE. We want people to become their own financial adviser. We mentor and coach them so they can DIY. The education does not stop from the moment an account is opened by the client. We do continuing education.We go for long term relationship and not just a one time sale.
Q6. Is IMG an investment broker company?
Q4. Is the “financial literacy” part a marketing gimmick?
A. THIS IS NOT A MARKETING GIMMICK. This is a Mission. This is an Advocacy. We believe that most people fail because they don't have the proper financial wisdom. They are not give the right financial information to plan for their future. And that is what IMG Provides. Financial Education.There is really a big need to educate a lot of people to enable them to execute or do proper saving, investing and protection.
Q5. Are you just here to provide assistance with opening an account with your partners?
A. WE EMPOWER. WE WANT PEOPLE TO TAKE CHARGE. We want people to become their own financial adviser. We mentor and coach them so they can DIY. The education does not stop from the moment an account is opened by the client. We do continuing education.We go for long term relationship and not just a one time sale.
Q6. Is IMG an investment broker company?
NO. IMG IS A DISTRIBUTION COMPANY. We are not Investment Brokers or Solicitors. We have partner company called RAMPVER Strategic Advisors who is our Investment Broker.We do not handle the funds like an investment company.
Q7. Are we investing on IMG or their partners?
A. YOU ARE NOT INVESTING IN IMG. YOU ARE INVESTING WITH THE PRODUCT PROVIDERS LIKE THE MUTUAL FUND COMPANIES.
Q8. Will we have our own account with your partners with our full control?
Q8. Will we have our own account with your partners with our full control?
A. YES. YOU WILL HAVE YOUR OWN ACCOUNT WITH THE MUTUAL FUND COMPANIES BECAUSE YOU BECOME THEIR SHAREHOLDER.
Q9. Why should we invest our money with IMG?
A. YOU ARE NOT INVESTING IN IMG
Q10. If we are investing on THE MUTUAL FUND COMPANY Who decides where to invest our money?
Q10. If we are investing on THE MUTUAL FUND COMPANY Who decides where to invest our money?
A. FUND MANAGER
Q11. Do you provide consultations?
Q11. Do you provide consultations?
A. YES. CONTINUING COACHING AND MENTORING
Q12. Who is accountable to these investment/business decisions?
Q12. Who is accountable to these investment/business decisions?
A. FUND MANAGER. Each company hires an expert or professional investor to manage the investment for the Mutual Fund Company. The Fund Manager is accountable to both the investors and the Mutual Fund Company.
Q12. What happens when the investments fail?
Q12. What happens when the investments fail?
A. MUTUAL FUND COMPANIES ARE HIGHLY REGULATED. THEY HAVE STRICT GUIDELINES ON THEIR INVESTMENTS. YOU CAN GET A COPY OF THEIR PROSPECTUS. But in case they fail, like any investments, we lose our money. This is why we need to educate people what companies to get into to mitigate the risk. The other thing we need to get educated on is why we need to invest, and how should we behave while investing.
Q13. Do you have insurance to cover for the losses?
Q13. Do you have insurance to cover for the losses?
A. MUTUAL FUND COMPANIES ARE NOT INSURED THAT'S WHY INVESTING IN MUTUAL FUND HAS RISKS AND WE TELL PEOPLE THAT.
Q14. How much can we get back?
Q14. How much can we get back?
A. BASED ON HISTORICAL DATA USING PHILEQUITY, which is one of leading MUTUAL FUND COMPANY IN THE PHILS, THE RATE OF RETURN FOR THE LAST 18 YEARS IS about 12% COMPOUNDING ANNUALLY. If it fails and the values goes below your acquisition value, then you simply lose in paper. Actual loss only happens when you liquidate. Your investment. So far no Mutual Fund company had been dissolved. DISCLAIMER: The rates of returns are not guaranteed. Historical data does not guarantee you will achieve same results.
Q15. How liquid are these investments?
Q15. How liquid are these investments?
Q16. Can we pull out these investments if we do want to?
A.YES. Anytime. But the best way to invest is to invest for the long term. 10 years or more.
Q17. How long is the turn over period?
A. THIS IS LONG-TERM INVESTMENT. MUST BE 5 YEARS OR MORE. But, you can define this fr yourself based on your personal financial strategy. We recommend you use Mutual Funds investing for goals beyond 5 years.
Q18. Does the market still has influence over our investment on the time we decided to pull it out? Or is the overall value of our investment reflects the market value on the day of the turnover?
Q18. Does the market still has influence over our investment on the time we decided to pull it out? Or is the overall value of our investment reflects the market value on the day of the turnover?
A. IT WILL DEPEND ON THE NAVPS (NET ASSET VALUE PER SHARE) WHEN YOU SELL YOUR SHARES. It simply works like investing in stock market.
Q19. Does IMG investment brokers have licenses? Do you provide training that meets industry standards?
A. WE HAVE UMBRELLA LICENSES. And yes we do have training and certification processes that meets regulators requirements. Otherwise, we could had been shutdown by now.
Q20. If I invest with IMG through an IMG broker, what percent goes to the broker? To IMG? To my actual investment?
Q20. If I invest with IMG through an IMG broker, what percent goes to the broker? To IMG? To my actual investment?
A. THERE ARE DIFFERENT RATES FOR EACH PRODUCT. ATTEND OUR TRAINING TO GET THIS. Your investment earns not from your own investment money but from the value appreciation in the market.
Q21. When my investments earns interests/profits, does IMG or the IMG brokers still get commissions?
Q21. When my investments earns interests/profits, does IMG or the IMG brokers still get commissions?
A. NO. Whatever your investment earns is your earnings to keep.
Q22. If so, how many percent was cut from my earnings?
Q22. If so, how many percent was cut from my earnings?
A. N/A. Simply not applicable. This is not how it works. Your earnings is simply your earnings. This is the advantage of being an IMG Member.
Q23. Why not the sell the top life insurance company.
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A. IMG WANTS YOU TO MAKE THE MOST OF YOUR MONEY SINCE YOU WORK HARD FOR THAT MONEY. So buy the cheapest insurance and you invest the difference yourself. You will then be able to get the highest return on your investments without passing on some of the earnings to these big companies.THEY CAN AFFORD TO ADVERTISE BECAUSE THE COST IS ALSO PASSED ON TO THEIR CLIENTS. WE CAN MAKE COST COMPARISON SO YOU SEE ACTUAL DATA. You can make that decision for yourself. We will show you the information and analysis of different companies and you decide which company you get into. We respect the viability and strength of the leading companies.
Q24. How can we be sure that Kaiser can deliver on its promises?
Q23. Why not the sell the top life insurance company.
A. IMG WANTS YOU TO MAKE THE MOST OF YOUR MONEY SINCE YOU WORK HARD FOR THAT MONEY. So buy the cheapest insurance and you invest the difference yourself. You will then be able to get the highest return on your investments without passing on some of the earnings to these big companies.THEY CAN AFFORD TO ADVERTISE BECAUSE THE COST IS ALSO PASSED ON TO THEIR CLIENTS. WE CAN MAKE COST COMPARISON SO YOU SEE ACTUAL DATA. You can make that decision for yourself. We will show you the information and analysis of different companies and you decide which company you get into. We respect the viability and strength of the leading companies.
Q24. How can we be sure that Kaiser can deliver on its promises?
A. KAISER IS A PRODUCT OF 2 ACTUARIAL STUDIES (1 AMERICAN, 1 FILIPINO) THAT'S WHY THEY WERE ABLE TO COME UP WITH THE PRECOMPUTED BOOK. YOU CAN ALSO CHECK THE KAISER WEBSITE OR CHECK OUT THIS BLOG - http://invested101.com/2014/03/07/how-to-invest-in-level-1-kaiser-and-faqs/
Q25. Isn’t it too good to be true?
Q25. Isn’t it too good to be true?
A. IT'S FEASIBLE because IT'S BASED ON MATHEMATICAL STUDIES.
Q26. Is it a fixed 10% interest gain?
Q26. Is it a fixed 10% interest gain?
A. NO , MAX YOU CAN GET. The 10% is the projected earning. Based on historical earnings, the 10% projected still holds even if we had experienced the 2008 word financial crisis.
Q27. Does KAISER have presence in other countries?
Q27. Does KAISER have presence in other countries?
A. NO, ONLY IN THE PHILIPPINES. However IMG Members are all over the World who are Kaiser Plan Holders too.
Q28. Can I pull out my investments in Kaiser when it profits?
Q28. Can I pull out my investments in Kaiser when it profits?
A. YES. ONCE IT MATURES
Q29. Everything seems like too good to be true. What are the downsides or worst case scenarios with regards with these investments?
Q29. Everything seems like too good to be true. What are the downsides or worst case scenarios with regards with these investments?
A. FINANCIAL EDUCATION IS KEY. THAT'S WHY WE PROVIDE FINANCIAL LITERACY FIRST SO YOU KNOW WHAT YOU'RE DOING..AT THE END OF THE DAY, THE DECISION IS YOURS. It is true and it is good. We cannot stop people from thinking otherwise.
Q30. Your organization is very confusing and inconsistent to me. How is it that you have multiple CEO- Marketing Directors? Who heads this company? Can you provide us with your organizational chart?
Q30. Your organization is very confusing and inconsistent to me. How is it that you have multiple CEO- Marketing Directors? Who heads this company? Can you provide us with your organizational chart?
A. WE ARE BUILDING A NEW INDUSTRY. OUR ORGANIZATION IS NOT THE SAME AS ANY TRADITIONAL BUSINESS. ONCE YOU JOINED IMG, YOU BECOME A BUSINESS OWNER OR INDEPENDENT DISTRIBUTION OUTLET OF IMG. SINCE IT IS YOUR BUSINESS YOU CAN PROMOTE YOURSELF TO THE HIGHEST LEVEL. ATTEND OUR TRAINING SO YOU UNDERSTAND OUR BUSINESS MODEL BETTER. You are confused because we are indeed changing the way financial distribution is being done. We want to provide the best service to families and we want everyone including yourself to be financially free. Join us .
Note:
Those with Q are Questions
Those with A are the Answers.
PS: If you want to get into our IMG Business, don't delay! Register NOW! Contact me NOW at 0920-902-1217 or email me at richbenj.santiago@gmail.com
PS: If you want to get into our IMG Business, don't delay! Register NOW! Contact me NOW at 0920-902-1217 or email me at richbenj.santiago@gmail.com
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