National Awardee Licensed Financial Advisor Pru Life UK

Get clear on what protection plan
actually fits your life.

Book a free session so we can review your goals, budget, current coverage, and possible gaps — without pressure and without confusing jargon.

Start Readiness Check

The Readiness Check is optional, but recommended so I can prepare better options before our call.

Free consultation
No pressure
Beginner-friendly
Personalized to your goals
Simon Cruz
📷Click to upload photo
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National AwardeePru Life UK
65+
Active Policies
🏥MedTech
Graduate
Health Protection✦Income Protection✦Family Security✦Wealth Building✦Retirement Planning✦Critical Illness✦Coverage Gap Review✦Life Insurance✦Financial Needs Analysis✦Health Protection✦Income Protection✦Family Security✦Wealth Building✦Retirement Planning✦Critical Illness✦Coverage Gap Review✦Life Insurance✦Financial Needs Analysis✦
What I Can Help With

What I can help you prepare for

Whether you're just starting out or reviewing what you have, I can help you find what actually fits your life and budget.

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Health Protection
Help prepare for major illness, hospitalization, and health-related expenses so one diagnosis does not wipe out your savings.
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Income & Family Protection
Protect the income your family depends on. We'll review what happens if sickness, accident, or sudden loss affects your ability to provide.
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Wealth Building
Build savings and investment-linked plans that can help you grow money while staying protected.
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Children's Education Fund
Start building a dedicated fund for your child's future tuition and life opportunities — while protecting the parent who makes it possible.
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Retirement Planning
Prepare a retirement fund that lets you slow down or stop working because you want to — not because you have to.
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Insurance Gap Review
Already have HMO, PhilHealth, company benefits, or an old policy? Let's check what you have and what might still be missing.
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Business Protection
For entrepreneurs and self-employed professionals — protect your income, key people, and the business you are building.
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Emergency Fund Planning
Build a practical financial safety net so unexpected expenses do not immediately turn into debt or panic.
Free Session
What we'll figure out together
A simple, honest conversation about your goals, budget, current coverage, and what protection may actually make sense for your life.
01
Book a free session
Reserve a slot online — no commitment, no pressure. Just a conversation to help you get clear.
02
We talk about your life
We'll discuss your goals, family responsibilities, budget, current coverage, and what you want to prepare for.
03
I help you see the gaps
I'll explain what you may already have, what might be missing, and what each option actually means — in simple terms.
04
You decide what feels right
I'll show possible options based on your needs and budget. No pressure to buy right away. You choose in your own time.
Start Your Financial Readiness Check
The readiness check is optional, but recommended so I can prepare better before our call.
Optional · Recommended

Want me to prepare better
before our call?

Take the 2-minute Financial Readiness Check so I can understand your responsibilities, current coverage, and possible financial gaps before our session.

Optional, but recommended before your free consultation.

Our Discussion

What we'll cover
in our session

Your goals and priorities — what matters most to you right now
Current coverage — what you already have and whether it's enough
Budget and affordability — what realistically works for your situation
Types of insurance and what each one actually does
Benefits and exclusions — what's covered and what isn't
Possible gaps in your current setup
Options that may fit your life, budget, and goals
My goal is to help you understand your options — not just sell you a policy.

I conduct a Financial Needs Analysis before recommending anything. Every suggestion I make is based on your specific situation — not a template.

You don't have to decide on the spot. The first step is clarity. The rest follows when you're ready.

Client Reviews

Real feedback from people I've helped.

Every client has a different story, goal, and budget. Here are some messages from people who trusted me to guide them.

★★★★★
Super easy kausap! Ang clear mo mag-explain ng details, and mabilis ka mag-reply whenever may kailangan i-clarify.
Theresa
First Plan
★★★★★
Thank you! Next time kami naman ni husband ko. Ikaw ulit help sakin para sa amin.
Leane
education fund
★★★★★
She explains everything clearly and provides guidance focused on what is most beneficial for the client.
Maica
Policy Review
★★★★★
Very grateful for the smooth process and professional guidance throughout the whole application.
Pascual Family
family bundle
★★★★★
Hindi ako nag-expect na ganito kadali ang process. Felt very guided the whole time.
Reaven
Protection
★★★★★
Wala talaga akong alam sa insurance, buti nalang sayo ako lumapit. Galing mo mag-explain. Thanks, Simon!!!
Alex
protection
Use only testimonials with client consent. Remove private information before publishing.
Trusted by clients across the Philippines — protecting families and building futures.
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Happy Clientsand growing ✦
Simon Cruz
📷Click to upload photo
My Story

I started with care.
Now I help people prepare.

I'm a Medical Technology graduate, and my healthcare background opened my eyes to how quickly life can change. I've seen how illness doesn't just affect someone's health — it can also affect a family's savings, plans, and peace of mind.

That realization became personal to me. I became a full-time Licensed Financial Advisor not just to talk about insurance, but to help people understand how protection works before they ever need it.

Filipinos are naturally hardworking. We give so much for our families, our dreams, and our future. My hope is that more of us also learn how to protect what we work so hard to build.

For me, insurance is not just a policy. It's a tool to protect your income, your family, and the future you're building.

National Awardee · Pru Life UK
MedTech Graduate with clinical hospital background
Agency Leader · Full-time Licensed Financial Advisor
Instagram: @simoncruz.ph · Facebook: simoncruz.ph
FAQ

Common questions

Yes, completely free — no hidden fees, no obligations. The goal of the first session is to help you understand your options, not to sell you something immediately.
Not at all. The first session is just a conversation. You can take all the time you need before deciding anything. There is no pressure to commit.
That's actually a great starting point. We can review what you already have, check for gaps, and see if your current coverage still fits your current situation and responsibilities.
No problem. Budget is something we figure out together during the session. I'll never recommend anything outside of what's realistic for you.
That's perfectly fine. Many people come in just wanting to understand how insurance and protection plans work. There's no pressure to move forward until you're ready.
Yes. Part of what I do is help you compare types of plans, understand the pros and cons of each, and find what actually fits your goals — not just what's most popular or most expensive.
Optional · 2 Minutes · Free

Your Financial Readiness Check

Answer a few quick questions so I can understand your current situation, responsibilities, and possible protection gaps before our session.

FreePrivate & secureTakes around 2 minutes
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Something went wrong while sending your report. Please try again or message Simon directly at pluksimoncruz@gmail.com
Family Support & Financial Responsibilities
This helps me understand who depends on you and what's at stake financially.
1. Do you currently help support anyone financially?
Please select one option.
2. On average, how much do you set aside monthly for the people you support?
Input 0 if this does not apply to you.
3. How many more years do you think they may depend on your support?
Input 0 if this does not apply to you.
4. Do you currently have debts, loans, or amortizations that your family may need to settle if something happens to you?
Please select one option.
5. About how much is still unpaid?
Put 0 if none.
Health, Treatment Fund & Income Readiness
These help identify possible gaps in your current financial setup.
6. If you suddenly needed ₱2,000,000 for a major illness, where would the money most likely come from?
Select all that apply.
Please select at least one option.
7. Would you feel more at ease having personal coverage for situations like this?
Please select one option.
8. If sickness or disability stopped you from working, how long could your savings cover your monthly expenses?
Please select one option.
9. Around how much do you spend every month for your basic living expenses?
Estimate only. This helps me understand your income protection need.
Please enter an estimated amount.
Current Coverage
Let me understand what protection you already have in place.
10. What protection or benefits do you currently have?
Select all that apply.
Please select at least one option.
11. If you already have personal insurance, which benefits are included?
Please select at least one option.
Intent & Timeline
Almost done — let me understand what brought you here today.
12. What made you interested in checking your financial readiness today?
Please select one option.
13. If there's an option that fits your needs and budget, when would you want to explore it further?
Please select one option.
Contact Details & Consent
Last step. You'll see your initial snapshot here, and I'll also send a copy to your email.
Please enter your name.
Please enter a valid email address.
Please enter your date of birth. You must be at least 18.
🔒 Your information will be kept private and used only for consultation preparation and follow-up.
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Your Readiness Check is ready!
Here's an initial snapshot based on your answers. I'll explain this in detail during our free session.
Possible gaps detected
Initial snapshot only — not a final recommendation. Final suggestions depend on full needs analysis, eligibility, budget, and suitability. A copy has been sent to your email.

Ready to talk about your results?

Your answers help me prepare options that fit your goals, budget, and current situation. Let's meet online — free, no commitment.

Book My Free Session

Ready to get clear on what fits your life?

Start with a free session or answer the readiness check so I can prepare better before we talk.

Start Your Readiness Check