Simon Cruz

02/10/2026

Give your employees financial wellness — for FREE. Your business benefits too. 🤝

Financial stress can affect focus, productivity, and overall well-being at work. Helping your employees become more financially prepared can benefit both your people and your business.

For the Company:
✓ More financially confident employees
✓ Less financial stress & distraction at work
✓ Supports focus, productivity & engagement
✓ Adds value to employee wellness & retention efforts

For Employees:
✓ Better money management
✓ Emergency fund preparation
✓ Protection, savings & investment basics
✓ Education & retirement planning

✨ FREE Financial Wellness Seminar
No minimum team size — even small companies are welcome!
📍 Face-to-face or online

Want to bring this to your team? Message me and let’s schedule a session. ❤️
0976 533 4960
[email protected]

28/09/2026

Who is this career for? 👀

Maybe you’re looking for an extra source of income.
Maybe you want more flexibility with your time.
Maybe you’re ready for a career change.
Maybe you’re a fresh graduate looking for your first opportunity.
Or maybe you’ve always dreamed of building and leading your own team & business.

We all had different reasons for joining PRU. But one thing we had in common? We simply gave it a try. 🤍

You don’t need to have everything figured out. Sometimes, you just have to explore, learn, and take that first step.

Baka mas qualified ka pala than you think. 👀

Join our growing team! ❤️

23/09/2026

Yes, I’m in sales. And I’m proud of what I sell. 🤍

Real estate agents sell properties.
Car salespeople sell cars.
We offer financial services and insurance solutions.

It’s how we make a living, but what makes this career meaningful for me is knowing that what I offer can actually matter during some of the biggest moments in someone’s life.

Every policy means may isang taong naghahanda para sa health niya, income niya, family niya, or future niya. And tayo yung tumutulong para ma-set up ’yon nang maayos.

So yes, you can call me a salesperson, insurance agent, or financial advisor.

I’ll proudly answer to all three. 😂🤍

Because at the end of the day, we sell, but more importantly, we serve.

19/09/2026

Not your usual order! 🛍️ Insurance + Education Fund + Savings Fund… all in ONE policy? 👀

And he’s only 1 yr old…

09/09/2026

Do you really need insurance? 👀

Most people think “next time pa nila kailangan” when they have a family, more responsibilities, or when they’re older. But protection isn’t only about who depends on you today. It’s also about protecting the income, goals, and future you’re still building.

And being young, single, and healthy doesn’t mean you don’t need to prepare. In fact, being healthy is the best time to explore coverage, while you still have more options available to you. While pwede ka pa i-insure, kasi pag ‘kailangan’ mo na, madalas di ka na pwede.

You don’t have to get everything at once. Start with what you can afford and what actually matters to you. 🤍

02/09/2026

5 years to build. Lifetime of protection and possibilities ahead. ❤️

Whether you’re preparing for your child’s education, retirement, future purchases, or simply building your funds, you can start with a plan that combines life & health protection + investment potential in one.

This sample plan includes:
✨ Life & critical illness protection
✨ Accident, disability & hospital benefits
✨ Investment fund you can use for future goals

Plans can also be customized based on your budget, age, and priorities.

Message me for a free financial check & personalized proposal. 😊

31/08/2026

Minsan, iniisip natin na ang life insurance ay para lang sa death benefit.

Pero through my own experience, mas na-realize ko kung gaano kahalaga na maintindihan natin kung ano talaga ang coverage at benefits ng policy na meron tayo.

Hindi ko ito sine-share para magbenta, but to raise awareness. Hindi natin alam kung kailan natin kakailanganin ng financial protection, kaya habang may opportunity tayong mag-prepare, mas okay na naiintindihan natin kung ano ang meron tayo at kung paano ito makakatulong sa atin.

Being prepared can make a big difference, especially when unexpected things happen. 🩵

All glory to God for His provision! 🙏🏻

AYOKO NG LIFE INSURANCE—HINDI PA NAMAN AKO MAMAMATAY.

Eight years ago, ganito rin ang mindset ko.

Buti na lang, nag-seminar at nag-exam ako para maging financial advisor. Doon ko mas naintindihan na ang life insurance ay hindi lang pala para kapag namatay tayo. May mga living benefits din, depende sa plan na kinuha mo.

I’m sharing this to raise awareness, based din po sa sarili kong experience.

Praise God, dalawang life insurance ang kinuha ko noon.

Pareho silang may Critical Illness Benefit, Hospital Benefit, at Premium Waiver.

Ano ang Critical Illness Benefit?

Kapag na-diagnose ka ng covered critical illness—sa case ko, cancer—puwede kang mag-claim ng benefit. Ang amount ay depende sa plan at coverage na kinuha mo.

Sa dalawang life insurance policies ko, nakakuha ako ng 600,000 pesos bawat isa, or 1.2 million pesos combined.

Malaking tulong sa akin iyon, lalo na noong nag-undergo ako ng chemotherapy at iba pang treatments.

And because complete ang documents ko from my hospital and doctors, within three weeks, na-process at natanggap ko na ang claim, at nadeposit na sa bank account ko.

Ano naman ang Premium Waiver?

Ito yung benefit kung saan maaaring ma-waive ang future premium payments kapag natugunan ang conditions na nakalagay sa policy.

Paano naman ang Hospital Benefit?

Kapag na-admit ka sa hospital at covered ng policy mo, maaari kang makatanggap ng financial benefit, depende sa terms and conditions ng plan.

May Total Disability Benefit din sa policy ko, which may provide a benefit kapag natugunan ang definition at requirements ng covered disability.

And of course, may Death Benefit din.

Kapag namatay ang insured, may matatanggap na benefit ang mga beneficiaries na nakalagay sa policy—usually family members or loved ones.

May fund/investment component din ang policy ko.

Hindi siya literal na stock, pero may fund value na connected sa investment fund na pinili sa policy. Sa account ko, makikita ko ang current fund value at may options tulad ng Switch Fund, Withdraw Fund, at Allocate Fund.

Kaya kapag kukuha kayo ng insurance, hindi lang death benefit ang tingnan. Alamin din ninyo kung ano ang critical illness coverage, hospital benefits, disability benefits, premium waiver, at fund/investment component ng plan.

Another tip: check if the plan has multiple-claim benefits.

May mga plans na nagbibigay ng possibility na makapag-claim more than once for qualifying critical illnesses. Pero depende ito sa policy—may specific conditions, limits, waiting periods, at requirements.

So ask your financial advisor about it before getting a plan.

At isa pa sa natutunan ko:

Mas bata, mas okay pag pinag-iisipan ang insurance.

Generally, mas mababa ang premium kapag mas bata at mas healthy ka pa. Kapag may existing medical condition or diagnosis ka na, puwedeng maging mas mahirap ang approval, mas mataas ang premium, or magkaroon ng exclusions or limitations, depende sa assessment ng insurance company.

Kaya huwag nating hintayin na may mangyari muna bago natin isipin ang financial protection.

And please, humanap kayo ng financial advisor na trusted.

Hindi lang yung magaling mag-explain kapag kukuha ka pa lang ng policy.

Hanapin mo yung advisor na aalalayan ka rin kapag dumating ang panahon na kailangan mong mag-claim.

Yung hindi ka iiwan pagkatapos mong makapagbayad.

Because honestly, kapag dumating na yung panahon na kailangan mo ang insurance, malaking bagay na may taong marunong gumabay sa’yo.

Hindi ito dahil iniisip nating mamamatay tayo.

It’s about being prepared while we’re still alive.

Hindi natin alam kung kailan natin kakailanganin ang financial protection.

Pero kapag dumating ang panahon na kailangan natin ito, malaking bagay na may napaghandaan tayo.

Sharing this because this is what happened to me—not because I’m selling anything. 🩵

Thank You, Lord—for always providing for my needs. All glory to God! 🙌🏻

26/08/2026

Before I joined this profession, I always thought I’d never see myself working in a company setting. Plan ko is to just build my own businesses and do my own thing 🥹

But somehow, I found a career where I still get to build something of my own, meet different people, help families make better financial decisions, and grow into a better version of myself along the way.

Not every day is perfect, of course. But ang saya pala when you genuinely enjoy what you do and believe in the impact of your work. 🤍

If you’re also looking for a career with purpose, growth, flexibility, and a different kind of work environment, maybe this is something worth exploring.

We’re opening our next Career Preview for anyone curious about what we do and how this career works.

No pressure to join. Come curious. ✨

Message me “CAREER” and I’ll send you the details.

21/08/2026

Guaranteed Annual Cash Payout for Lifeeeee? 😲

21/08/2026

On this Ninoy Aquino Day, we honor a life dedicated to freedom, courage, and service. 🇵🇭

May his legacy continue to inspire us to lead with purpose and serve with integrity.