These Terms of Use constitute an Agreement between you and eFinancial and, where applicable, between you and Michael Bowcock. By using this website, or any of the associated sites, hardware, software, or services (also collectively referred to below as the "website"), you agree to these Terms of Use in full. You also agree to provide true, accurate, current and complete information if requested by this website. If you do not agree with these Terms of Use in full, including our Privacy Policy in full, as provided below and at our Privacy Policy, then you are not authorized to use any service of this website, and you should not provide any information through this website.

Age Restriction (18 Years or Older)

Currently, you must be eighteen (18) years of age or older to use this website, and if you are under the age of 18, you are hereby expressly notified that you are not permitted to provide any information through this website, for any purpose, including seeking insurance information or services. eFinancial and Michael Bowcock are not responsible for monitoring or seeking verification of user qualification or age. However, if eFinancial discovers that a user is accessing this website in violation of these Terms of Use, eFinancial may immediately take action to terminate such access if possible. We are sorry for any inconvenience this may cause.

Disclaimer

eFinancial's materials and information are provided "As Is". There are no warranties expressed or implied by this website. Materials on eFinancial.com are provided for research and comparison purposes only. eFinancial.com and Michael Bowcock assume no liability for the accuracy of the information provided. We make every effort to provide the highest quality material on eFinancial.com but because of the technology involved we may at times encounter technical difficulties or inaccuracy. eFinancial.com life insurance comparison and shopping services is a free service provided by eFinancial to help consumers shop for life insurance, and all disclaimers herein apply. Insurance requested through eFinancial.com is transacted through Michael Bowcock, a life insurance agent. Access to products and carriers are available through eFinancial.

Limitation of Liability

To the fullest extent permissible under applicable law, in no event shall eFinancial, or Michael Bowcock, be liable to you for damages of any kind whatsoever including, but not limited to: direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from your use of or inability to use this web site or the materials or services provided on this web site or the products or services received from this web site. Exemptions of implied warranties may not be allowed in all jurisdictions. In such case, in no event shall eFinancial's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this web site.

It is your responsibility to evaluate your needs for life insurance and the accuracy of the information we provide. eFinancial.com or Michael Bowcock do not render any information contained as legal, professional, tax, or other advice. A tax or legal advisor may be necessary in evaluating your personal situation.

State License Numbers

Michael Bowcock is a Life Insurance Agent in the following states under the following insurance licenses:

User Conduct

You promise NOT to use this website for any of the following purposes or activities:

1. conducting or supporting illegal activity of any type whatsoever;
2. transmitting or storing worms or viruses or any code of a destructive nature;
3. threatening, harassing, abusing, impersonating, injuring or intimidating others;
4. interfering with others' use of this website, unless such interference is for the purpose of complying with another section of these Terms of Use;
5. delivering spam or collecting information to deliver spam, or sending unsolicited email advertisements;
6. decompiling, disassembling, reverse engineering or otherwise attempting to discover any source code contained in this website;
7. disguising the origin of any content transmitted through this website or manipulating your presence on the website; and/or
8. causing the launch of any automated system(s) that accesses this website in a manner that sends more request messages to servers of the website in a given period of time than a human can reasonably produce in the same period by using a conventional online web browser.

Other Important Terms

Jurisdiction: We do not imply that the materials or services on this website are available or for use outside the United States or that we are soliciting business in any such jurisdiction.

Miscellaneous: These Terms of Use, and the agreement they create, shall be governed by and interpreted according to the laws of the State of Washington, without giving effect to Washington's conflict of laws principles.

If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions. We may modify these Terms of Use at any time, simply by updating this posting or the information on this website and without notice to you.

Intellectual Property Notice: The mark EFINANCIAL, and the other design(s) and stylizations associated therewith are the properties of Efinancial, LLC, in the USA. This website and related software are protected under US and international copyright laws and you are hereby notified that copyrights are claimed by eFinancial. You agree to abide by any and all copyright notices displayed on this website.

For Customer Service Call Toll Free 1-866-765-4296

Michael Bowcock is a licensed life insurance agent in all 50 states, including the District of Columbia, and his resident state of Illinois. Michael Bowcock's Illinois license number is 11736943; in California, 0G99555; in Louisiana, 589562; in Minnesota, 40333060; in Utah, 445133; in Massachusetts, 1884080; and in Texas, 1617308. Efinancial, LLC’s California license number (d/b/a eFinancial Term Insurance Services) is 0F37537; in Louisiana, 323680 and in Utah, 104501.