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About CIGI LearnLifeSettlements is a 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 and in the District of Columbia. CIGI training standards are legendary in the industry, and for your additional protection, CIGI is covered by Errors and Omissions or Malpractice Insurance. CIGI history is important to you. For 20 years we have built our Insurance business training and advising other insurance experts. In other words, CIGI is the expert to the experts. We bring this history, reputation and ability to you, our retail customer. CIGI has customers in every state and possibly every ‘zip code’ in America. Chances are, CIGI has helped someone you know with life insurance. And while we are pleased to be one of the nation’s largest independent sources for life insurance, we are also pleased to be the largest private employer in our community. We take the responsibilities we have to you our customer, our employees and our community very seriously. Life Settlements are a relatively new tool for owners of Life Insurance policies. Often, owners of Life Insurance policies have outgrown the need for their life insurance. Many of those life insurance policies can be resold to institutional investors. Even term life insurance, which has zero ‘cash value’ can often be resold. CIGI is adding great value to this market by bringing our experience, reputation and ability to rapidly secure repurchase offers from most major sources.

Welcome Visitor        As founder of CIGI Direct Insurance Services in 1986 and later, Eterm.com; I may have signed off on more life insurance transactions as anyone in the world. I truly believe the very concept of Life Insurance is a unique achievement of modern society. With Life Insurance, we gift to our loved ones our continued financial support after we have returned to our Creator.        Your existing Life Insurance is of special value to you and may be important to keep in force.        If you believe you no longer need your Life Insurance Policy, it is still important to pause before allowing a lapse or surrender. Among other considerations, we should appraise your Life Policy to determine the current market value. All types of life insurance, term, universal or whole life can have market value much like real estate or equities. However, this market value would be gone forever if your Life Policy were to lapse. An appraisal is valuable information. Consider the case of a 71 year-old policyowner who could no longer afford his term insurance. Instead of letting the policy lapse and receiving nothing, he received a cash payout of $195,000 through a Life Settlement.     Kindest Regards     J Robert Hightower