Michelle Poderanan - Financial Advisor

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Michelle Poderanan - Financial Advisor

Sun Life Licensed Financial Advisor 💛

30/10/2024

Naghahanap ka ba ng GUARANTEED plan? Alam ko na hindi lahat ay confident na maglagay ng hard-earned money nila sa investments. If isa ka sa mga yan, I totally get it, and this one’s for you! 😉

Introducing SUN LIFE PHILIPPINES’ newest product:

𝐒𝐔𝐍 𝐋𝐈𝐅𝐄 𝐒𝐄𝐂𝐔𝐑𝐄 𝐈𝐍𝐂𝐎𝐌𝐄 ☀️💛

✅ Guaranteed Insurance Coverage — 200% of the face amount from Day 1 until age 100! So secured ka for life!

✅ Guaranteed Limited Pay — pay only for 3, 5, 10, or 15 years

✅ Guaranteed Centenarian Bonus — may matatanggap kang portion of your insurance coverage in advance at ages 80, 85, 90, and 95!

✅ Guaranteed Lifetime Yearly Pay-out — 6% of the face amount yearly, starting at the end of year 6. May yearly income ka na rin!

✅ Guaranteed Cash Value — may fund ka for emergencies, anytime you need it.

✅ Non-guaranteed Yearly Cash Dividends — option to receive it in cash, use for future premiums, or let it grow with Sun Life.

Pwedeng-pwede for education fund, retirement fund, business fund, or kahit anong future goals mo. At best of all, GUARANTEED ang returns, so alam mo agad kung magkano ang makukuha mo.

If interested ka to know more, message ka lang sakin! 😊 Let’s chat about what works best for you!

27/10/2024

Happy & blessed Sunday 😇

Just insured a client today! ⭐️
Thank you so much, Lord. 🙏🏼

Share ko lang: this client earns every other day, and he was really concerned about sustaining the plan due to his income’s potential instability.

But that didn’t stop him from securing his future. He committed to setting aside 3,000 of his income monthly. Imagine, kung iipunin niya ito sa bangko earning less than 1% per annum, matutulog lang ang pera niya at talo pa ng inflation.

By investing his 3,000/month, he can grow his money over time through the Stock Market. Plus, he has a 1.2M life insurance coverage, 600k critical illness benefit, 2k/day hospital income benefit, and an additional 600k for accident-related coverage.

May nawala ba sa pera niya? 🤔
WALA. 🙅‍♀️

In fact, he just turned that 3k/month into over a million in coverage + peace of mind.

Anong lesson dito? Your money has the potential to give you more. You just need to know which platform is best for it.

Don’t just save—invest for yourself, your loved ones, and your future. ☺️

❓Tight on budget but want similar benefits?
❓Looking for an education fund for your child?
❓Need an affordable or comprehensive health insurance?
❓Or just want to get insured?

Let me help you find a customized plan based on your needs and budget. Just send me a message! ☺️

22/10/2024

Naghahanap ka ba ng affordable health insurance plan, or gusto mo ng comprehensive protection against 100+ critical illnesses until age 100?

It's time to build funds for critical illnesses! ✨ Add a supplement to your HMO and PhilHealth coverage!

If you’d like to learn more, just send me a message!

21/10/2024

While browsing on social media, nakita ko na yung classmate ko noong high school ay magkakaroon na ng first baby nila, at yung kaibigan ko noong college ay ikakasal na. Talagang nakakatuwang isipin knowing na they are transitioning to another chapter of their lives.

Pero hindi palaging masaya ang makikita mo sa social media. One time, nakita ko ang post ng isang mutual friend ko about sa dati kong katrabaho. Laking gulat ko nang malaman na wala na pala siya. Hindi ko maimagine dahil ang bata pa niya, pero tinamaan siya ng heart-related disease. 😔

At doon ko napagtanto kung gaano lang talaga kabilis ang buhay ng tao. Ngayon, hindi mo na masasabi kung matanda o bata dahil lahat pwedeng dapuan ng malalang sakit. Isama mo pa diyan ang klase ng lifestyle na meron ang karamihan sa ating mga pinoy.

Pero ang tanong dito, kung sakaling dumapo ito sa iyo o sa mga mahal mo sa buhay, gaano ka ba kahanda para harapin ito?

In reality, marami sa atin ang hindi pa iniisip o pinaghahandaan ito dahil sa dami ng mga bagay na kailangan pang unahin. Nandiyan ang mga basic at daily needs, pambayad sa bills, utang, etc.

𝗕𝘂𝘁 𝘀𝗶𝗰𝗸𝗻𝗲𝘀𝘀 𝗰𝗼𝗺𝗲𝘀 𝘂𝗻𝗲𝘅𝗽𝗲𝗰𝘁𝗲𝗱𝗹𝘆. Literal na gugulatin ka na lang nito. Based on studies, 𝗸𝗮𝗶𝗹𝗮𝗻𝗴𝗮𝗻 𝗺𝗼 𝗻𝗴 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝟭 𝗠𝗶𝗹𝗹𝗶𝗼𝗻 𝗽𝗮𝗿𝗮 𝗺𝗮𝗴𝗽𝗮𝗴𝗮𝗺𝗼𝘁 𝗻𝗴 𝗶𝘀𝗮𝗻𝗴 𝗺𝗮𝗷𝗼𝗿 𝗰𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗶𝗹𝗹𝗻𝗲𝘀𝘀.

And 𝗶𝗺𝗮𝗴𝗶𝗻𝗲 𝘆𝗼𝘂𝗿𝘀𝗲𝗹𝗳 𝘄𝗵𝗲𝗻 𝘁𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀 𝘁𝗼𝗱𝗮𝘆, 𝗺𝗮𝘆𝗿𝗼𝗼𝗻 𝗸𝗮 𝗯𝗮𝗻𝗴 𝗺𝗮𝗵𝘂𝗵𝘂𝗴𝗼𝘁 𝗻𝗮 𝗶𝘀𝗮𝗻𝗴 𝗺𝗶𝗹𝘆𝗼𝗻 𝗽𝗮𝗿𝗮 𝗺𝗮𝗴𝗽𝗮𝗴𝗮𝗺𝗼𝘁?

Karamihan sa mga Pinoy ay umaasa na lamang sa mga utang, donations mula sa social media o organizations, nagbebenta ng mga ari-arian, tulong mula sa PhilHealth, pero sa totoo lang, 𝗮𝗻𝗴 𝗺𝗴𝗮 𝗶𝘁𝗼 𝗮𝘆 𝗵𝗶𝗻𝗱𝗶 𝘀𝗮𝗽𝗮𝘁 𝗽𝗮𝗿𝗮 𝗺𝗮𝗽𝘂𝗻𝗮𝗻 𝗮𝗻𝗴 𝗵𝗮𝗹𝗮𝗴𝗮 𝗻𝗮 𝘁𝗮𝗹𝗮𝗴𝗮𝗻𝗴 𝗸𝗮𝗶𝗹𝗮𝗻𝗴𝗮𝗻.

Kaya nakakatakot magkasakit. Pero hindi naman natin ito matatakbuhan. Kahit mayaman ka pa o mahirap, healthy o hindi, sikat o hindi sikat, ang pagkakasakit ay walang pinipili. Kaya ang dapat nating gawin ay maging handa.

𝗪𝗵𝗮𝘁 𝗶𝗳 𝗜 𝘁𝗲𝗹𝗹 𝘆𝗼𝘂 𝗻𝗮 𝗸𝗮𝘆𝗮 𝗻𝗮𝘁𝗶𝗻 𝗶𝘁𝗼𝗻𝗴 𝗽𝗮𝗴𝗵𝗮𝗻𝗱𝗮𝗮𝗻 𝗻𝗴 𝗺𝗮𝗮𝗴𝗮 𝗻𝗮 𝗵𝗶𝗻𝗱𝗶 𝗺𝗼 𝗸𝗮𝗶𝗹𝗮𝗻𝗴𝗮𝗻 𝗶𝘀𝗮𝗸𝗿𝗶𝗽𝗶𝘀𝘆𝗼 𝗮𝗻𝗴 𝗯𝘂𝗱𝗴𝗲𝘁 𝗽𝗮𝗿𝗮 𝘀𝗮 𝗰𝘂𝗿𝗿𝗲𝗻𝘁 𝗲𝘅𝗽𝗲𝗻𝘀𝗲𝘀 𝗺𝗼?

Tara, pag-usapan natin ito! Mag-comment ka lang ng “𝗛𝗢𝗪” and I will share it with you. 💛

20/10/2024

Happy Sunday! 😇

I am excited to announce that this page is rebranding from Empowered GenZneration to Michelle Poderanan - Financial Advisor! While my focus on empowering young people remains, this change allows me to provide more personalized financial advice and resources directly from me. I want to make financial literacy simple and accessible, helping you navigate your money matters with confidence. Thank you for being part of this journey—let’s achieve your financial goals together!

16/10/2024

Naranasan mo na bang mangutang o mag-solicit para lang may maipambayad sa hospital bills o kahit funeral expenses?

Naku, sobrang hirap nito. 😥 Marami sa ating mga kababayang Pilipino ang matiyagang pumila para makalikom ng sapat na pondo. Pero let’s save our loved ones from this kind of financial burden. Imagine mo, nagluluksa na sila, tapos problema pa kung saan hahanap ng pera pambayad.

Did you know that LIFE INSURANCE helps your loved ones get money instantly?! 😲

Okay, don’t get me wrong! Of course, there’s still a process for the claim, but just knowing that they will receive 1 Million pesos (cash or check) and only need to wait for the approval to release the claim means they won’t have to worry about where to find the money. They can focus more on the grieving part.

Show your love for them. 💛 By getting insured, you can have peace of mind that whatever happens, they will not suffer financially. ✨

Do you want to know what affordable plan you can get based on your current budget and needs?

Comment and I will help you! ☺️

14/10/2024

Nowadays, napakadali na lang kumuha ng loans. Pwede kang mangutang sa mga banks online, gumamit ng credit cards, o kumuha ng housing, car, o business loans, pati na rin loan apps at buy now, pay later options.

Pero, have you ever thought about how you can make sure na hindi mo maipapasa ang burden na ito sa mga mahal mo sa buhay kapag may nangyaring hindi inaasahan?

Here’s what you can do:

✨ Get Life Insurance coverage na kayang magbayad ng iyong mga utang sakaling may mangyari sa’yo.

✨ Habang nagbabayad ka sa iyong mga utang, puwedeng bumaba ito, at ang natitirang halaga ay magagamit ng mga mahal mo sa buhay para sa mga importanteng bagay. In this way, makakaiwan ka pa sa kanila ng something meaningful.

✨ Think about the peace of mind na mararamdaman mo, knowing na hindi sila maghihirap financially sa responsibilidad na ito.

Caring for them means making sure that they’re taken care of, even when you’re not around. 💛

Let me help you find an affordable life insurance coverage that can also help you grow funds while you are still living, let’s talk for the best insurance plan according to your needs.

Comment below. 👇

20/07/2024

Just a piece of realization. 🫶

Client: Maganda naman ang Life Insurance, bakit konti lang naniniwala at meron nyan? Mag-present ka nga sa friends and officemates ko.

Me: Kasi Insurance is not tangible. It is just a piece of paper. Hindi mo sya pwedeng ipakita basta basta. Hindi sya pwedeng ipagmalaki tulad ng:

“May bagong bahay ako sa Camella village”

“Kumuha ako ng 3-bedroom unit with 4 parking slots sa BGC.”

“Approved na yung bank loan ko para sa Toyota Vios. Next week ko maiuuwi.”

“Finally recontracting na ako sa Globe. Kukuha ako ng iPhone 14.”

“Grabe ang ganda ganda sa Japan. Ito pictures namin sa cherry blossoms, Disneyland, Universal Studios, Kyoto at Osaka o. 15 days kasi kami dun so nalibot namin lahat.”

“Nag-open kami ng franchise ng Potato Corner sa mall na yan. Dun naman sa school ni Junjun mag Gong Cha franchise naman kami.”

Insurance are none of those things.

You cannot simply brag to your friends that you have a 4M death benefit, plus 2M accidental death, 1M disability benefit, 2M critical illness benefit, and more. You cannot also mention that your parents or relatives acquired a 10M, 20M, 45M life insurance coverage to prepare for their estate planning, retirement, and wealth transfer.

Pero alam nyo ba sir ano ba talaga difference ng insurance companies sa ibang bagay o bangko?

It is a piece of paper na kapag may sakuna will read,

“We owe you money” instead of it saying “You will owe us.”

We generate revenue not debt.

Cars, gadgets, appliances will be outdated and get obsolete one day, but your VUL Insurance will appreciate over time.

The earlier you save, the wealthier you will become. Protect yourself. Do it for them.

Tara pagusapan natin kung anong swak sayo and sa family mo💛

16/07/2024

Finally, SURE na ako na kahit anong mangyari sa akin, makaka survive ang family ko from any financial loss dahil may life insurance ako.

Finally, if ma-aksidente ako, SURE ako na may pang gastos ako dahil may accident/disablement coverage ako.

Finally, SURE na ako na hindi kailangan saluhin ng loved ones ko ang aking mga financial liabilities dahil may life insurance plan ako.

Finally, kapag nagkasakit ako critically, SURE ako na hindi ako ang magbabayad para sa medical and hospital expenses ko dahil may health insurance plan ako.

Finally, SURE na ako na mapapag aral ko ang mga anak ko sa university na gusto nila at makukuha nila ang course na gusto nila dahil may education plan sila.

Finally, SURE na ako na hindi ako pagpapasa pasahan kapag tumanda na ako dahil may retirement plan ako.

Hindi man SURE ang buhay pero kaya nating i-make SURE na prepared tayo sa FUTURE! 🙌

Want to prepare ahead? Let’s talk so I can help you get inSUREd! 💛

04/07/2024

Are you tired of putting your hard-earned money towards expenses only? I feel you. Add insurance to your expenses today and maximize the benefits soon, because only your life insurance plan ang expense na may balik sa iyo.

Do you want to get started with your customized insurance plan today? Let's talk!

02/07/2024

𝐏𝐚𝐫𝐚 𝐤𝐚𝐧𝐢𝐧𝐨 𝐛𝐚 𝐚𝐧𝐠 𝐋𝐢𝐟𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞?

✅Para sa mga bata - As early as 15 days old pwede naten silang iinsure to have protection and future invesments.🧑‍🍼
✅Para sa sarili - You can take advantage of your health and time. Start investing on your future financial goals 🧡
✅Para sa pamilya - Show your love by protecting them from life uncertainties and future financial burdens 👨‍👩‍👧‍👦
✅Para sa minamahal - Family planning includes financial planning and it includes having insurance. 👩‍❤️‍👨

That’s why 𝐋𝐢𝐟𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 is also called “𝐋𝐨𝐯𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞” ♥️
It will not just help us achieve our financial goals, but will also keep us and our family free from financial burdens when uncertainties come.

You might have some hesitations doing it for yourself, do it for your loved ones instead. 🙌🏻

Message me na! for a FREE CONSULTATION. Know your options and let’s customize your savings plan based on your needs and budget. 🥰

28/06/2024

Did you know that Sun Life gives temporary life insurance coverage?

The moment you apply, you are given temporary life insurance coverage. That means you can have peace of mind even if your application is still in review.

Life is unpredictable. Get insured today! 💛

Let’s talk? Send me a message ☺️

27/06/2024

Maswerte na tayo ngayon dahil may access na tayo sa HEALTH INSURANCE na kaya kang i-cover from PREVENTION to REHABILITATION 🙌

Baka hindi ka pa aware? Meron nang HEALTH INSURANCE PLAN that can cover 114 major and minor critical illnesses. May additional coverege pa in case pasok sa specific cancer ang naging critical illness ng policyholder. 💡

Aside from that, covered din pati ang HOSPITALIZATION from Day 1 of confinement hanggang sa HOME RECOVERY period. 🤗

And many more!

Kapag nagkasakit, hindi mo kailangang ma-stress financially!

Let your HEALTH INSURANCE plan takes care of your medical and hospital bills. 💛

🤔 Baka naman mahal ang plan na yan?
Mas mahal pa rin po ang 1 million - 2 million medical cost kapag tinaman ng critical illness. The best time to get health insurance is today, while you are still young and healthy! 💪

Let’s talk? Send me a message. 📩

26/06/2024

Make your money work for you! 🌱 📈 Alam mo ba na pwede mo na ma-maximize ang savings mo by getting an insurance while you also invest in the stock market? 🙌

Ask me how! 📩

25/06/2024

Nowadays, parami nang parami at pabata nang pabata ang tinatamaan ng sakit because of poor lifestyle, unhealthy foods, and environment.

So if you are young and you know that you are healthy, this is the best time for you to get insured because your premium is affordable. 🏋️‍♂️

Do not delay your insurance because you’ll never know when you’ll get ill.

It’s best to be prepared in life! ☀️

23/06/2024

Stay curious, be open to learning new things and challenging old assumptions. Growth comes through expanding understanding.

21/06/2024

LIFE INSURANCE nowadays ay hindi lang para sa mga questions like “What if m*matay ka?” (knock on wood 3x, ‘wag naman sana) 😅

If you check it further, marami na ring mga living benefits ang LIFE INSURANCE plan that answers the question, “What if mabuhay ka nang matagal?”

Gone are the days that you had to pay just to be covered. Keep living but always be prepared for life’s uncertainties. Get insured today! 💛

20/06/2024

Did you know na only LIFE INSURANCE ang pamana na tax-free? Yes! You heard that right. 🙌

Every one of us wants to leave a legacy to our loved ones. Show them how much you love them. Get insured today! 💛

19/06/2024

Kapag nagkasakit, hindi kailangang ma-apektuhan ang ibang bagay. Paano makakatulong d’yan ang insurance?

Getting insurance for your health is a way of transferring the risk. In today’s time, marami sa atin ang nakakakuha ng critical illness at pabata ng pabata ang mga nagkakaroon nito. The common reason is because of the poor lifestyle that we have.

At totoo na ang mga critical illnesses like cancer ay sakit pang mayaman. Dahil kinakailangan mo ng milyon para magpagamot.

If you have insurance, hindi mo na kailangan gawin ang mga sumusunod:

❌ Gamitin ang natirang income at savings
❌ Mangutang sa mga kakilala o kamag anak
❌ Pumila sa mga government agencies
❌ Ibenta ang mga ari-arian para lang may magamit pangpagamot

Because of health insurance, ang insurance company na ang bahalang magbayad para sa medical treatment na kailangan mo at ang dapat mo nalang gawin ay:

✅ ‘Wag ma-stress at mag focus sa pagpapagaling

Kaya it is best to be prepared ahead of time dahil hindi natin alam kung kailan tayo tatamaan ng malubhang sakit. Hindi lahat ay naa-approve ng health insurance. Kaya kung ikaw ay healthy pa, mas mabuting magpa insure ka na. 💛

18/06/2024

Retirement can be the longest holiday 🏖️ or the longest nightmare 😱 of your life. It all depends on how prepared you are.

Let me help you prepare for your future retirement! Just send me a message 📩

Credits to: Wise in Money

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Have you heard about VUL? Ano nga ba ito? 🤔 #VariableUniversalLife #investment #VUL #lifeinsurance #learnonfacebook #facebookreelsviral

Before you get a policy, make sure that it fits according to your needs and budget. 🙌Send me a message so we can talk about the best plan for you!#lifeinsurance #vul #variableuniversallife #financialadvisor #sunlife #facebookreels #viral

Hello Gen Z (and also Millennials)! 🙌I know some of you have heard about the Variable Universal Life (VUL) plan that is being offered by most insurance companies. It has become the most popular insurance plan in the past decade. Story Time ⏰Dati puro life insurance lang ang ino-offer ng mga life insurance companies which give coverage as they pay for the plan and the beneficiaries may claim it when the insured passes away. But then, they came up with some plans that have cash values which earn interest and also with linked investment, just like VUL! These may be available for you to withdraw or borrow when you most need it!But did you know that this plan is very beneficial to youngsters?Here are the benefits of starting VUL plan early 👇🏻Marami ka pang pwede ma-enjoy sa VUL plan! 😀 Are you interested to know? Feel free to message me! 📩#GenZ #GenZprenuer #millennials #VUL

Want to how a VUL plan can help you secure the future of your loved ones and prepare ahead for your future plans? ☀️ Send me a message for an online meeting via Zoom! 📩#FinancialJourney #SecureYourFuture #roadtobrighterlife #FinancialPlanning #bereadyforlife #BrighterLife #investment #YourPartnerForLife #youngprofessionals

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