Terms Of Use

Disclaimer

Eterm® is a service mark of CIGI Direct Insurance Services, Inc. Agent in all available states is CIGI Direct Insurance Services, Inc. and/or J. Robert Hightower. CIGI Direct Insurance Services,Inc. is licensed to do business in all states. Not licensed outside of the U.S. The main offices of CIGI Direct Insurance Services, Inc. are located at 232 F Street, Salida, CO 81201.

THE MATERIALS AND INFORMATION IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED. CIGI Direct Insurance Services, Inc., and its related affiliated and subsidiary companies, disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.

In no event shall CIGI Direct Insurance Services, Inc. and its related, affiliated and subsidiary companies, be liable for any direct or indirect, special, incidental, consequential or punitive damages, losses (including lost profits), or expenses arising out of or in connection with use of its web site (eterm.com), any failure of performance, interruption, delay in operation or transmission, computer virus, loss of data or otherwise, even if CIGI Direct Insurance Services, Inc. has been advised of the possibility of such damages, losses or expenses.

Copyright

All text, graphics, and layout on this site are the exclusive property of CIGI Direct Insurance Services, Inc. and are protected by United States copyright laws. No portion of the website can be copied or distributed in whole or in part without the express written consent of CIGI Direct Insurance Services, Inc. Permission is granted to print copies of documents for personal use.

Links

CIGI Direct Insurance Services, Inc. cannot guarantee that the hyperlinks set out on our site will be accurate at the time of your access. Moreover, the sites pointed at by Hyperlinks are developed and possibly maintained by person(s) over whom CIGI Direct Insurance Services, Inc. has no control. We cannot and do not monitor the sites linked to our pages on the Internet. Accordingly, CIGI Direct Insurance Services, Inc. assumes no responsibility for the content of any site referenced to by any Hyperlink or otherwise. CIGI Direct Insurance Services, Inc. believes that its making available Hyperlinks to publicly accessible Web pages and newsgroups is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Data Protection

CIGI Direct Insurance Services, Inc. is not obligated to monitor any transmission made through the respective Web pages and newsgroups. However, CIGI Direct Insurance Services, Inc. has the right, but not the obligation, to monitor any transmission made to and for this Web site. CIGI Direct Insurance Services, Inc. may use or disclose information gathered from the site.

Intended Audience

This site is published for some, but not all of the residents of the United States of America. You must be at least 18 years old to use this site.

Product Information

All information contained in the eterm.com web site, including product and carrier information, policy premiums, terms and product fees, is for informational purposes only and is subject to change at any time without prior notice. Your eligibility for particular products or services is subject to final determination and acceptance by the underwriting company. Suicide and other limitations apply. Products may not be available in all states. Complete product information, including terms and conditions of coverage, is provided at the time of application.

Rate Information

Rates quoted online represent the best available rate based on age, gender, state of residence and tobacco use status. The rates shown are sample rate quotes, not offers of insurance, and may not be available to all persons, based on eligibility requirements. The rates shown are subject to change without notice at any time.

Licenses

For residents of California CIGI Direct Insurance Services, Inc.'s license number is 0D26897.

For residents of Minnesota CIGI Direct Insurance Services, Inc.'s license number is IA-20230972.

For residents of Massachusetts CIGI Direct Insurance Services, Inc.'s license number is 1603331.

Privacy Policy

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Eterm.com
CIGI Direct Insurance Services, Inc.
PO Box 1000
232 F Street
Salida, CO 81201
(888) 823-8376