Lifetime membership · One-time fee

IMG Preferred Membership.

One membership. Direct access to the IMG partner network. Member rates on every product.

Register as an IMG member Talk to Erlwin first
What this is

IMG is a brokerage. This is the card that gets you the price.

IMG is not an insurance company. It is not a fund manager. It sits between you and every major financial provider in the Philippines and negotiates pricing on your behalf. Membership gives you direct access — you do not go through an agent.

Who this is for

For the household that wants every option on the table.

Working adults who want the full shelf.

Not one carrier's products. Every carrier. So the recommendation follows your need, not the company that pays the highest commission.

OFW families managing money across borders.

Direct access without an intermediary. Member rates apply whether you buy from Manila or Riyadh.

Anyone who wants the education, not just the products.

Membership includes the Wealth Academy. That is the part most people miss — it is not just the discount card.

Families preparing for the next ten years.

HMO for aging parents. Insurance for the working years. Funds for the children's education. All from one place.

What membership includes

Twenty benefits. Five groups.

Every benefit below is offered by IMG's partner companies to members at member-only rates. Benefits change as partners change — current list confirmed at application.

Financial Education

  • Wealth Academy Program — free for members.
  • Financial E-Workbook.
  • Free Financial Video — the book come to life.
  • 5 free Financial E-Workshops.
  • Free Financial Check-up to diagnose your situation.
  • Insurance Licensing Exam Reviewer.
  • Free unlimited financial seminars and workshops.

Health & Medical

  • Free unlimited medical consultations at Kaiser Medical Center.
  • Discounted medical services for members.
  • Discounted medical services for immediate family.
  • IMG Vision Care — free eye exam plus up to 2 pairs of frames per year.
  • Discounted medicine from partner pharmacies nationwide.
  • Free HMO coverage for MDs, SMDs, and Executive positions (qualification required).

Protection

  • Fidelity Life microinsurance — ₱50,000 coverage plus memorial concierge.
  • Manila Bankers Personal Accident Insurance — up to ₱300,000.
  • Accidental Death Benefit — ₱500,000 (Manila Bankers Assurance).
  • Burial Benefit — ₱100,000.
  • Accidental Medical Reimbursement — ₱100,000.
  • Repatriation Service (Everest Memorial).

Financial Access

  • Kaiser International Healthgroup — HMO plans at member rates.
  • Manila Bankers Life — M.O.S.T. 18 and Income Replacement Assurance.
  • Mutual funds at 0% entry fee (sold by Rampver Financials).
  • Stocks online trading platform (MyTrade) with free guidance.
  • Palawan Express Pera Padala — special member rates.
  • Everest Memorial Concierge Service — 24/7.
  • Free legal consultations (2 sessions per year).

Lifestyle & Discounts

  • IMG Auto Program — discounted car purchases.
  • Real estate member discounts from major developers.
  • Non-life insurance savings through Bolt Assurance.
  • Asset preservation — corporation setup at member rates.
  • IMG Marketplace — buy and sell platform with member deals.
  • Travel rewards program and IMG Convention trips.
  • Exclusive member rates at partner businesses.

Online Tools & Community

  • Members' Portal — dashboard and qualification runs.
  • Daily Whoosh — weekly member updates and reminders.
  • NeuraCash — payments, transfers, and commissions.
  • Dominate Tool — funnel pages, email marketing, affiliate links.
  • Stat Report — real-time qualification tracking.
  • Mentor access and IMG community network.
  • Recognition — Pins, Rings, Watches, and Cars.
Featured add-ons

Three IMG-linked extras.

Request the SSBYF Book Avail ₱20,000 free PAI IMG Convention — Vietnam 2026
Price

One-time. Lifetime. No recurring charge.

IMG Preferred Membership

₱—

One-time payment. Lifetime membership.

  • Lifetime membership — no renewal, no recurring charge.
  • All 20 partner benefits listed above.
  • Wealth Academy Program included.
  • Direct access to Kaiser, Manila Bankers, Fidelity, Rampver, PhilEquity.
  • Member rates on every product, forever.
Apply for Membership
Questions

The honest answers.

Is this MLM?

No. IMG is a distribution company. Two separate paths exist: buying products as a member, and earning commissions as an associate. Both are optional. Membership does not require you to recruit anyone.

Do I have to recruit anyone?

No.

Do I have to buy anything?

No. Membership itself is the only purchase.

Can I cancel?

Membership is lifetime. It does not auto-renew.

What if I already have an HMO?

You can still use the investment, insurance, and lifestyle benefits.

What if I am outside Cebu?

IMG has offices across the Philippines. Membership applies wherever you are. Application can be completed online.

If you are not sure yet

Two things to do first.

Book a Free Roadmap Session

Before you decide on membership, meet Erlwin for a free 90-minute session. No products discussed. You leave with a written roadmap. Then you decide.

Book a free session

Wealth Academy Program

Membership includes the Academy. See the curriculum before you enroll — six modules, same framework Erlwin has taught for twenty years.

See the curriculum
Ready to apply

One application. Lifetime access.

Application is a short conversation, not a form. Reach out and we will walk you through it.

Register as an IMG member Talk to Erlwin first

Registration is handled by IMG's member portal. IMG does not sell mutual funds — all mutual funds are sold by Rampver Financials.