Our Team

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Annie Cruz

Managing Partner


Annie was a stay-at home mom before joining the insurance industry in 1991.  She saw the insurance industry as a career opportunity to grow as a professional, and build her business.  


She began her career as an independent benefits consultant with American Family Life Assurance Company of Columbus, GA (AFLAC).  Under Aflac, she advanced her career as a District Sales Coordinator in 2000, and later became the Regional Sales Coordinator in 2004.  She led the Aflac Guam sales field force for 11 years, when she stepped down from her leadership role.  


In 2015, she founded Cruz Benefits Consultants.  She continues to work in the insurance industry to help give families protection that they need representing  John Hancock, Midland National Life, and Transamerica.

Aileen Cruz

Aileen Cruz

Managing Partner


Aileen returned to Guam in 2007, and joined the insurance industry in 2008 as a benefits consultant with American Family Life Assurance Company of Columbus, GA (AFLAC).   In 2012, Aileen advanced her career as an Aflac District Sales Coordinator.  To help lead the Aflac Guam sales field force, she became the Aflac Guam Regional Sales Coordinator in 2015.  She  wanted to develop a professional team of benefits consultants and to ensure that families have the protection that they need.


In 2018, she stepped down from her leadership role with Aflac but continues to be a managing partner for Cruz Benefits Consultants.  She continues to work in the insurance industry representing John Hancock, Midland National Life, Pacific Guardian Life, National Western, and Transamerica. 

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Joyce Aquiningoc

Office Manager | Benefits Consultant


With her independent and nurturing nature, Joyce joined the insurance industry in 2000 to build a professional career.  She became a regional administrator for Annie Cruz (2004-2015) as well as a part-time benefits consultant with American Family Life Assurance Company of Columbus, GA (AFLAC). 


In 2016, she joined the Cruz Benefits Consultants team as our Office Manager and Aflac Regional Administrator for Aileen Cruz (2016-2018). 


She continues to her role as Office Manager and as a Benefits Consultant in the insurance industry representing John Hancock, Midland National Life, Pacific Guardian Life, and Transamerica.  

Our Independent Agent Partners

Independent agent partners are benefits consultants who share our vision and professional goals to help individuals and families in our community.   As independent agent partners, they have chosen to be a part of our professional offices and services to be accessible to clients.   However, they may also represent other carrier partners that may not be associated with CBC.   To find out more about the companies they represent, you may contact them directly for more information.

Magdalena Acosta

Maggie Acosta

"Maggie", as she is commonly known, was a nurse at Guam Memorial Hospital (GMH) when she joined the insurance industry as a part-time life insurance agent.  When she retired from GMH in 1995, she transitioned to a full-time insurance agent. 

  

  • Aflac (1988 – Present)
  • Surety Life (1989 – 1997)
  • Allstate (2012 – Present)
  • Midland Life (2015-Present)


Maggie continues to work in the insurance industry as a Benefits Consultant representing Aflac, All-State, and Midland National Life.

Prisianan Ann Guerrero

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Prisianna Ann Guerrero pursued her college degree in Hotel Operations Management.  Upon finishing  her degree in 2015, she worked in the hotel industry when she decided that she wanted a new career.  


In January 2017, she joined the industry and pursued a career in Life and Health insurance.  


Loving what she does and wanting to offer the best solutions to her customers, Prisianna continues as a Benefits Consultant representing Aflac, John Hancock, Midland National Life, and Transamerica.

Joney Jesus

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After a blessing career with Guam Memorial Hospital (GMH) from 1997 to 2009, Joney Jesus decided to embark on a new career.   Needing  to take care of her special needs child, Joney  found a career that provided work life balance.  


She joined the insurance industry in 2009 as an administrator for Allan Quan's Insurance.   


She became a full-time benefits consultant in from 2014 to 2018 as Benefits Consultant in Life and Health with Aflac to help service her clients.  


She continues to be a Benefits Consultant representing John Hancock , Midland National Life, and Transamerica.

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Teresita Mendiola

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Better known as "Terry Baza Mendiola", Terry was an employee of Guam's Department of Education in 1989 when she joined the insurance industry as a part-time life insurance agent.  


When she retired from DOE in 2000, she transitioned to a full-time agent.  


Terry continues to work in the insurance industry representing Aflac, John Hancock, Midland National Life, and Transamerica.

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OUR CUSTOMER SERVICE SPECIALIST

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Contact Today one of our customer service specialist for business services and policyholder services.  We promise to help you address the concerns that you have. 

Lauren Cruz

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Lauren joined our Administrative and Customer Service team in July 2016.  A college student and professional, Lauren provides exceptional service to our customers with her easy, good nature and reliability to meet the needs of the customer.


Contact:

Email: LCruz@cbcguam.com