Protecting what matters, with passion for your long-term progress
Ultima Insurance Agency (Ultima Consultancy Inc.) is a multi-carrier insurance advisory based in Cebu Business Park, Cebu City. We serve families, entrepreneurs, and SME teams across the Visayas, matching each client to the accredited carrier and plan that fits their real risk — not the other way around.
Our Vision
To meet the growing demand for quality medical care, life protection, and property insurance across Cebu and the Visayas — with service that stays personal as we grow.
Our Mission
We serve with passion toward our clients' long-term and sustained progress — faster, more professional, and more personal than going directly to a carrier.
Compassion. Commitment. Credibility.
Compassion
We listen before we recommend. A policy is only right if it reflects your actual life, not a sales quota.
Commitment
Coverage is a relationship, not a transaction. We stay with you through renewals, claims, and life changes.
Credibility
Every recommendation is backed by accreditation across multiple licensed carriers — never a single product pushed on every client.
The advisors behind Ultima
Ultima is led by our principal advisors in Cebu City, supported by a network of 80+ licensed and accredited agents across the Visayas.
Chai Nacua
Sets Ultima's client-first direction — every recommendation starts with an honest audit, not a sales quota.
Betina Nacua
Shapes how Ultima shows up online and in the community — from this website to every client touchpoint.
Director & Co-Founder
Co-founded Ultima to bring multi-carrier, audit-first insurance advisory to Cebu families and SMEs.
Ray D. Reyes
Guides clients through life and HMO coverage decisions with a practical, no-hype approach.
Roland Ardina
Focused on matching motor, property, and fleet coverage to real Cebu risk.
Stel Quio
Builds lasting client relationships through claims support that doesn't stop at the sale.
Memberships
- Business Network International (BNI)
- Financial Executives Institute of the Philippines (FINEX)
- Cebu Chamber of Commerce & Industry