Company Review & Verification
Crux Consultants Ph
— Legit or Scam?
Crux Consultants Ph — Full Verification
Every key credential checked and confirmed.
IC Accreditation
✓ VerifiedCrux is an officially licensed insurance advisory firm
IC License (All Advisors)
✓ VerifiedAll Crux advisors hold valid Insurance Commission of the Philippines licenses — verifiable at insurance.gov.ph
Physical Office
✓ ConfirmedCastle Peak Hotel, F. Cabahug St., Cebu City, 6000, Philippines
Team Lead MDRT Status
✓ MDRT-QualifiedTrixie Lopez-Tolentino holds MDRT (Million Dollar Round Table) qualification — the global standard for elite financial advisors
Policy Issuance
✓ DirectAll policies are issued directly by Crux Consultants Ph. Premiums are paid to Crux — not to individual advisors
BSP / IC Regulatory Compliance
✓ CompliantCrux Consultants Ph is supervised by the Bangko Sentral ng Pilipinas and the Insurance Commission of the Philippines
Who Is Crux Consultants Ph?
The Company
Crux Consultants Ph is a financial advisory firm specializing in its own insurance and investment products. They serve individuals, families, OFWs, and business owners across Cebu City and the entire Visayas region.
Crux operates as an independent advisory firm — not tied to one insurer — with a focus on ethical sales practices and advisor development. Every advisor is IC-licensed.
Team Philosophy
Crux advisors are born-and-raised Visayans. They speak Bisaya and Tagalog fluently, understand the local cost of living, hospital realities, and the financial pressures unique to Cebu families. Their advice is built around your actual life — not a generic product brochure.
Regulatory Standing
Crux Consultants Ph has operated in Cebu City for years. It is supervised by the Insurance Commission (IC) and Bangko Sentral ng Pilipinas (BSP). All policies sold by Crux are backed by strong financial standing.
Crux Consultants Ph — FAQ
Is Crux Consultants Ph legit?
Yes. Crux Consultants Ph is 100% legitimate. All advisors hold valid IC (Insurance Commission) licenses. Policies are issued directly by Crux Consultants Ph — a regulated, BSP-supervised advisory firm. The physical office is at Castle Peak Hotel, F. Cabahug St., Cebu City, 6000.
Who is the founder of Crux Consultants Ph?
Crux Consultants Ph is led by Therese Angelica "Trixie" Lopez-Tolentino — an MDRT-qualified, IC-licensed independent financial advisor. She is a Cebu City native who built Crux to serve Visayan families with honest, personalized financial planning.
How do I verify Crux Consultants Ph's credentials?
You can verify Crux advisors' IC licenses at insurance.gov.ph using their names or IC license numbers. You can also call Crux Consultants Ph directly to confirm accreditation.
What products does Crux Consultants Ph sell?
Crux exclusively sells its own products: Crux Global Health Access (health insurance up to ₱ 175M), Crux LifeChoice VUL (investment + life insurance), Crux Critical Illness plans, and Crux RetireSecure plans. They do not sell products from any other insurer.
Is there a Crux Consultants office in Cebu I can visit?
Yes. Crux Consultants Ph is physically located at Castle Peak Hotel, F. Cabahug St., Cebu City, 6000. Appointments can be scheduled by calling +63 917 596 5486 or emailing cruxconsultantsph@gmail.com. Zoom and Viber consultations are also available.
Book a Free Consultation with Crux
IC-licensed and Cebu-based. Let's talk about your protection needs — no pressure, no sales scripts.