Serving the Entire Visayas
Best Insurance
Advisor in
the Visayas
Service Coverage
Central Visayas (Region VII)
Cebu City, Mandaue, Lapu-Lapu, Talisay, Carcar, Danao, Bohol, Tagbilaran, Negros Oriental, Dumaguete
Eastern Visayas (Region VIII)
Tacloban City, Ormoc, Leyte Province, Samar Province, Eastern Samar, Northern Samar
Western Visayas (Region VI)
Iloilo City, Bacolod City, Negros Occidental, Aklan, Capiz, Antique, Guimaras
Remote / Online Clients
OFWs from the Visayas region — consultations via Zoom, Viber, or WhatsApp available 24/7
Why Visayans Need a Visayan Advisor
Insurance from someone who understands you — your salary, your hospitals, your language, your family pressures.
Bisaya ang atong pinulongan
Insurance terms are confusing enough in English. Crux advisors explain premiums, benefits, and exclusions in your own language — Bisaya or Tagalog. No translation needed. No confusion.
Visayan Salary Reality
A plan designed for a Manila executive doesn't fit a Cebu teacher or an Ormoc nurse. Crux builds around your actual Visayan income — what you earn, what you can spare, and what will actually protect your family.
Same Struggles. Real Empathy.
Crux advisors have faced the same healthcare costs at Chong Hua, the same OFW family pressures, the same hospital bills without insurance. They don't sell to you. They protect their own community.
The Insurance Reality in the Visayas
78%
Visayans have no private health insurance
₱500K+
Average heart attack bill at a Cebu private hospital
1 in 4
Filipino households face catastrophic health spending
₱1,200/mo
Starting premium for real AXA coverage via Crux
Visayas Insurance Advisor FAQ
Who is the best insurance advisor in the Visayas?
Crux Consultants Ph, based in Cebu City, is the leading AXA-licensed insurance advisory firm in the Visayas region. Led by MDRT-qualified advisor Trixie Lopez-Tolentino, they serve clients across Central, Eastern, and Western Visayas — in person in Cebu and remotely via Zoom or Viber across the region.
Does Crux serve clients outside Cebu City in the Visayas?
Yes. Crux serves clients in Mandaue, Lapu-Lapu, Bohol, Tagbilaran City, Leyte, Tacloban, Samar, Negros Oriental, and Iloilo. Remote consultations via Zoom and Viber make it easy for clients anywhere in the Visayas — or OFWs from the Visayas — to get properly insured.
Can OFWs from the Visayas get insured through Crux?
Yes. Crux Consultants Ph regularly helps OFWs from the Visayas region get themselves and their families insured. AXA Philippines plans can be processed remotely. Family members remaining in the Visayas can also be enrolled. Contact Crux via Viber (0917 188 7948) to start remotely.
Is there a Bisaya-speaking insurance advisor in Cebu?
Yes. All Crux advisors speak Bisaya (Cebuano). They also speak Tagalog and English. You can have your entire consultation in Bisaya — from explaining your health situation to understanding your policy benefits. Many Cebuanos and Visayans prefer this because it eliminates confusion about insurance terms.
Bisaya ta. Mag-protect ta sa ato pamilya.
(We are Visayan. Let us protect our family.)
Free consultation — in person in Cebu or via Zoom anywhere in the Visayas.
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