About Us
Cebu's Most Trusted
Insurance Advisors.
12 IC-licensed advisors in Cebu City. Health, life, HMO, and VUL plans for nurses, doctors, and every hardworking Filipino — matched to your budget, not theirs.
12+
Certified Advisors
₱175M
Max Coverage
4.7★
Google Rating
15 min
Free Consultation
Our Mission
Zero Hard-Sell.
100% Budget-Matched.
Founded by Trixie Lopez-Tolentino, Crux was built on a simple belief: every Filipino deserves world-class financial protection — not just the wealthy. Based at Castle Peak Hotel in Cebu City, we serve BPO professionals, healthcare workers, entrepreneurs, and families from all walks of life.
We partner exclusively with AXA Philippines — one of the world's largest insurance groups — giving our clients access to health, life, investment, education, and retirement products tailored to the Philippine context.
Our philosophy: match every plan to your actual budget and life stage. If our AXA solutions don't fit your cash flow, we'll tell you honestly.
"We don't believe in generic price tags because your life isn't generic. Our promise is a 15-minute budget-match. If our AXA solutions don't fit your current cash flow, we will tell you honestly."
Trixie Lopez-Tolentino
Team Leader · Crux Consultants Ph · AXA Philippines
Why Trust Us
Built on Transparency & Expertise
12+ Certified Advisors
All licensed by the Insurance Commission of the Philippines
AXA Philippines Partner
Tan Dynasty Constellation Group — one of AXA's elite networks in Cebu
₱175M Max Coverage
Access to the full AXA product suite with maximum protection globally
Castle Peak Hotel HQ
F. Cabahug St., Cebu City 6000 — walk in, no appointment needed
"From nurses to broadcasters, from housewives to entrepreneurs — people who chose financial empowerment."
Every Crux advisor joined not because insurance is their hobby, but because they saw what unprotected emergencies did to Filipino families. That lived experience is what makes us different.
Build Your Business With CruxThe Team
Meet Every Advisor
12 certified Cebuano advisors. Every one of them started from a different career — and chose financial empowerment.
Therese Angelica "Trixie" Lopez-Tolentino
Team LeaderTeam Leader · Mother of 5
Founded Crux on a simple belief: every Filipino deserves world-class financial protection. Zero hard-sell. Matches every plan to your actual budget.
Julie Beth
Team Admin
Jean Quebral
Gen Z Entrepreneur
Kenneth Sorita
Pharma Background
Tulip Anne
Nurse
Lovely Banzon
Artist
Maryann Uy
Broadcaster
Maricris Ramirez
Housewife
Cristy Logarta
Entrepreneur
Yukari Otsuki
Model
Locelle Gabunada
Media
Xelalanne Nalcot
Nurse
Let's Talk
Ready to Meet Your Advisor?
Book a free 15-minute budget-match consultation. A Cebuano advisor from our team will design a plan around your income — no fixed price, no pressure.