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Compliance Department

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Licensing & State-Specific Legal Notices

Effective Date: 05-15-2025

EternaTrust Insurance Group LLC (“EternaTrust,” “we,” “our”) operates as a licensed insurance agency in multiple U.S. states. This page provides required licensing information, state disclosures, and compliance statements relevant to consumers and regulators.

1Primary Agency Information

EternaTrust Insurance Group LLC
A licensed insurance agency offering TruStage Insurance Company life insurance products in approved states across the United States.

Website operations apply to:

  • EternaTrust Insurance Group LLC
  • ETI Services LLC (New York)
  • EternaSure Insurance Services (California License #6017223)

All quotes, applications, and policy recommendations provided through this website relate to TruStage Insurance Company products, unless otherwise stated.

2Operating Names by State

New York

This website is operated in New York under: ETI Services LLC, a licensed insurance agency authorized in the State of New York.

California

This website is operated in California under: EternaSure Insurance Services, California License #: 6017223.

California regulations require that consumers be informed of the exact legal entity responsible for insurance transactions within the state.

3State Department of Insurance Contact Information

California Residents

California Department of Insurance

Website: https://www.insurance.ca.gov

Consumer Hotline: 1-800-927-HELP (4357)

New York Residents

New York Department of Financial Services (NYDFS)

Website: https://www.dfs.ny.gov

Consumer Assistance: 1-800-342-3736

All Other States

Visit the National Association of Insurance Commissioners (NAIC): https://www.naic.org for your state’s Department of Insurance contact details.

4Agent Licensing Disclosures

  • Hold an active life insurance license in their state
  • Maintain good standing with state regulators
  • Comply with all continuing education requirements
  • Perform identity verification and compliance checks

Agents may not provide advice or recommendations in states where they are not licensed.

5Appointment & Carrier Relationship Disclosure

EternaTrust Insurance Group LLC is an independent insurance agency. EternaTrust:

  • Is appointed with several insurance carriers
  • Does not represent every insurer in the marketplace
  • Does not guarantee approval or underwriting results
  • Does not bind coverage

Carrier underwriting decisions are final.

6Product Availability by State

Life insurance product availability varies by state. Factors affecting availability include:

  • State regulations
  • Underwriting restrictions
  • Product approval status
  • Carrier rules

Some product features or riders may not be available in certain jurisdictions.

7No Offer or Solicitation Outside Licensed States

  • Any state where EternaTrust or the Agent is not licensed
  • Any jurisdiction outside the United States

Residents of unlicensed states may not apply for coverage through this website.

8Marketplace Advertising Disclosure

Website content is intended for:

  • Educational purposes
  • General insurance information
  • Providing quotes based on available data

Statements on this website do not guarantee:

  • Product availability
  • Eligibility
  • Premium amounts
  • Underwriting classifications

All final decisions are made by Insurance Carriers.

9Consumer Complaint Information

Consumers may submit complaints directly to:

EternaTrust Insurance Group LLC

Compliance Department:

OR may contact their state Department of Insurance directly using the information provided above.

10Fraud Notice (State-Mandated)

Insurance fraud is a crime. Submitting false or misleading information on an insurance application may result in: Application denial, Policy cancellation, Criminal penalties, Fines, Civil liability. This applies in all states. Additional fraud notices for individual states (like KY, LA, NM, OH, OK, PA, TN, VA) are presented on the application page when required.

11California-Specific Disclosures (CCPA/CPRA)

Under the California Consumer Privacy Act (CCPA/CPRA), California residents have rights to: Know what personal information is collected, Request deletion (with exceptions), Opt out of data selling (EternaTrust does not sell personal information), Correct inaccurate information, Limit use of sensitive personal information. See our Privacy Policy and Do Not Sell My Personal Information page for details.

12New York SHIELD Act Disclosures

Under the NY SHIELD Act: EternaTrust implements reasonable safeguards for consumer data, We maintain administrative, technical, and physical protections, We report breaches to NYDFS when required. See our Security & Data Protection Statement for more details.

13Website & Marketing Compliance

EternaTrust complies with: TCPA (Telephone Consumer Protection Act), CAN-SPAM Act, NAIC advertising guidelines, State Department of Insurance marketing rules, Social media advertising guidelines, Anti-steering & anti-rebating regulations, DOI record retention requirements.

14Contact Information

For questions regarding licensing, compliance, or regulatory matters, contact: EternaTrust Insurance Group LLC. Compliance Team: Click here.

TruStage™ Advantage Whole Life Insurance is issued by MEMBERS Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Product and features may vary and not be available in all states. Base Form Numbers: ICC20-WLMLIC & 2020-WLMLIC.

TruStage™ Simplified Issue Term Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Rates may be higher due to tobacco use. Product and features may vary and not be available in all states. Base Form Numbers for coverage under 100k: ICC16-A10a-039, A10a-039-2016 & over 100k ICC17-SIT-2, 2017-SIT-2.

TruStage™ Guaranteed Acceptance Whole Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Death benefit is limited the first 2 years of the policy and is limited to a return of 100% of premiums, plus 10%. Product and features may vary and not be available in all states. Base Form Numbers: ICC16-GAWL & 2016-GAWL.

TAWL2, GAWL, SIT1, SIT2-8658941.1-1225-0128