Get the coverage you need for your vehicle. Our policies include liability, collision, and comprehensive coverage options. We can help you find the best rates for your budget.
Protect your home from unexpected events like fire, theft, or natural disasters. Our policies cover your home, belongings, and liability. We offer customizable coverage options to fit your specific needs.
Secure your family's financial future with life insurance. We offer term life, whole life, and universal life policies. Our team can help you determine the best coverage amount and type for your situation.
Individual Life Insurance is a smart decision for anyone at every stage of life. Find the life insurance plan to meet your needs and future goals. Talk to an agent today about how life insurance can help you:
Term life insurance policies provide affordable, temporary coverage. Term policies contain no cash value and are designed for death benefit protection only. The premiums may be level for the first 10, 15, 20 or 30 years, depending on the policy selected. Because the death benefit protection is for a limited period, the premium is often the lowest of all types of life insurance policies. However, after the level term period, premiums may go up significantly and increase annually.
Whole life is the traditional form of permanent life insurance. It provides the assurance of level premiums, a guaranteed interest rate and a guaranteed death benefit. Whole Life provides the extra security of guaranteed protection at affordable rates, yet it includes the element of cash value accumulation.
Cruz Benefits Consultants
138 East Marine Corps Drive, J&G Commercial complex Suite 108, HAGATNA, GU 96910
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