About Us

Eterm is the web site for customers of CIGI Direct Insurance Services, Inc. Founded in 1986, CIGI is a member of the National Association of Independent Life Brokerage Agencies, the Southern Colorado Better Business Bureau, the Direct Marketing Association and the National Federation of Independent Business. Our Dun and Bradstreet number is 18-204-6383. We are located at 232 F Street, Salida, Colorado. CIGI or our principal, J Robert Hightower, is licensed and regulated by each State in the USA, the District of Columbia and in Puerto Rico.

For over 32 years we have been helping customers like yourself, as well as independent insurance brokers get the life insurance they need at affordable rates. CIGI and ETERM customers expect more than just a quoting or shopping service of the thousands of insurance products. Anyone can show you a low insurance rate. But CIGI is committed to:

  1. Knowing the best life insurance rates from the best insurance companies. But it is not enough to just know the rates. We can guide you through the maze of companies, products, features, and benefits to get you the best coverage for your individual situation.
  2. Respecting time. Your time and ours. At CIGI, we maintain our ‘hometown service’. We will give you all the time and attention you deserve, but we are also driven to give you the fastest and best service possible.
  3. Getting you insured. Each insurance company has slightly different underwriting criteria and standards. That can mean the difference between getting insurance or getting declined. At CIGI, we work very closely with the underwriters to match you with the best company for your needs. Customers with active healthy lifestyles love our low rates. And customers with health issues such as diabetes, heart conditions and some cancers benefit from our years of specialized experience. We have the experience and relationships to get you the insurance you need at the most favorable rates possible.
  4. We service your account now and for the years in the future. The insurance industry is constantly changing. We make it our business to stay on top of the trends in products and underwriting so that we can give you the service you deserve. The life insurance you need at age 30 is not the same as what you might need at 65 or 70. Many of our customers have been with us for decades we never forget our customers are real people, and not just policy numbers.
  5. Integrity. CIGI has customers in every state. Chances are, CIGI has helped someone you know with term life insurance. We are pleased to be one of the nation’s largest independent sources for term life insurance. We take the responsibilities we have to you our customer, our employees and our community very seriously.
Eterm.com
CIGI Direct Insurance Services, Inc.
PO Box 1000
232 F Street
Salida, CO81201 (888) 823-8376