Welcome to CBC Guam

A Company You Can Count On

Protecting Your Future with Long-Term Financial Security


At Cruz Benefits Consultants, we are a company you can count on to be there for you.  Our team has years of experience in the insurance industry helping clients prepare for the unknown.  Representing reputable companies that have a history in business over 100 years,  we can ensure the financial strength to support the products that we offer our customers.  With a broad portfolio of products and services, we can navigate the industry for the best solutions for our customers.  

Our portfolio helps us provide you with the best benefits solutions to meet both your coverage needs and budget.  Helping you protect what matters most, we are here to service both individuals and employers when you need our services the most. 

Ask us today about our portfolio:


  • Personal Life:  Term, Universal, or Whole Life
  • Business Life: Key-Employee Insurance or Buy-Sell Agreement

Group Plans

  • Term or Universal Life
  • Accident
  • Cancer
  • Critical Illness
  • Short-Term Disability
  • Long-Term Disability

              .... And Flexible Spending Accounts (FSAs)

Get the financial protection that you need to have peace of mind.   

Learn more about our company's products and services.

Assessing Need


Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly.  We will analyze your insurance needs and ensure that you get covered quickly at the right price.

Building Relationships


Everyone has different insurance needs.  Building a relationship with you, we will be able to help you the moment you need us.  When you need us most, we can provide a personalized business or individual assessment and find out how we can help protect your hard-won assets.

Products and Services

Life Insurance


Secure your future and grow your wealth for your family.  We are here to help fulfill and protect the dreams of local families by protecting what matters most.  

We offer life insurance products that are affordable, flexible and easy to understand.  If you pass away or an unexpected death occurs in your family, our life insurance products can:

  • Protect your current income and assets, including mortgage
  • Pay off your estate's final taxes and expenses
  • Insure your children and grandchildren's educational future
  • Pay off credit cards and other debt

Learn more

Voluntary Benefits


As the health care reform debate continues across the nation and the cost of insurance is increasing for families, many are faced with making a decision about buying voluntary benefits like supplemental health insurance or disability insurance products for their family that their employer's primary medical insurance plan doesn't cover.

We offer a variety of supplemental health insurance products that you may choose to purchase as individuals or as employees of one of our business accounts.

  • Short-Term Disability Insurance
  • Accident Insurance
  • Cancer Insurance
  • Critical Illness Insurance
  • Dental
  • Vision

Learn more

Other Business Services


Partner Services:

We offer some of our partner services to companies to help provide employers with premium facilitation as well as their employees with optional voluntary benefits and the extro protection for those out-of-pocket medical expenses. 

Business Professional Workspaces

For the business traveller, we offer a professional workspace with access to our meeting rooms and business services for Short-Term Lease.

Conference Room Services

Do you  need a meeting or training room?  Find out more about our Smart Conference Rooms and Meeting Rooms that are available for reservation.

Find out more

Representing Our Company Partners


Members of: