eTerm is committed to making it as easy and convenient as possible for you to purchase the quality, low-cost term life insurance that you need.

CIGI Direct® is a revolutionary program designed to be the fastest, most convenient way to buy quality, low-cost term life insurance.

THE CONCEPT
The CIGI Direct® program makes buying term life insurance easier and faster by reducing it to its simplest terms. If you are in good health, you can start the process right now with our Instant Term Quote feature. All it takes is a phone call and a brief visit - at your convenience - from a paramedical professional.

THE PRODUCT
Level premium term life insurance plans have the following features and benefits: Premium rates are guaranteed level for 5, 10, 15, 20 or 30 years. Rates increase annually thereafter. Death Benefits are guaranteed level for the life of the policy. Rates quoted at Eterm illustrate our lowest premiums for the healthiest individuals.