Company Review & Verification
Crux Consultants Ph
— Legit or Scam?
Crux Consultants Ph — Full Verification
Every key credential checked and confirmed.
AXA Philippines Accreditation
✓ VerifiedCrux is an officially accredited AXA Philippines agency under the Tan Dynasty Constellation Group
IC License (All Advisors)
✓ VerifiedAll Crux advisors hold valid Insurance Commission of the Philippines licenses — verifiable at icaphilippines.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
✓ Direct AXAAll policies are issued directly by AXA Philippines. Premiums are paid to AXA — not to individual advisors
BSP / IC Regulatory Compliance
✓ CompliantAXA Philippines 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 AXA Philippines insurance and investment products. They serve individuals, families, OFWs, and business owners across Cebu City and the entire Visayas region.
The firm operates under the Tan Dynasty Constellation Group — a recognized AXA agency group known for ethical sales practices and advisor development. All advisors are IC-licensed and AXA-accredited.
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.
AXA Philippines
AXA Philippines is one of the largest insurance companies in the Philippines, operating for over 25 years. It is supervised by the Insurance Commission (IC) and Bangko Sentral ng Pilipinas (BSP). All policies sold by Crux are backed by AXA's financial strength.
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 AXA Philippines — a regulated, BSP-supervised insurer. 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 AXA Philippines 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 icaphilippines.gov.ph using their names or IC license numbers. You can also call AXA Philippines directly to confirm that Crux is an accredited AXA agency under the Tan Dynasty Constellation Group.
What products does Crux Consultants Ph sell?
Crux exclusively sells AXA Philippines products: AXA Global Health Access (health insurance up to ₱175M), AXA MyLifeChoice VUL (investment + life insurance), AXA Critical Illness plans, and AXA Retirement 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 0917 188 7948 or emailing info@crux-consultant.com. Zoom and Viber consultations are also available.
Book a Free Consultation with Crux
IC-licensed. AXA-accredited. Cebu-based. Let's talk about your protection needs — no pressure, no sales scripts.