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Luis J Cruz Pagan is a Financial Representative at Forest Hills Financial Group, representing The Guardian Life Insurance Company of America®. Prior to this, Luis was an Insurance Agent at New York Life Insurance Company and an Admissions Specialist at Boricua College. With experience as a Career Coach at EverCoaching and as a College Professor at University of Puerto Rico-Aguadilla, Luis holds a Master of Arts in Counseling Psychology and a Bachelor of Arts in Philosophy and Religious Studies.