Terms & Conditions

1. Acceptance of Terms

By accessing or using the website located at goeterna.org (the "Site") or engaging with any services offered by Eterna Insurance Solutions ("Eterna," "we," "us," or "our"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, please do not use our Site or services.

These Terms apply to all visitors, users, prospective clients, and agents who access or use our Site or services in any capacity.

2. Description of Services

Eterna Insurance Solutions is an independent insurance agency and Insurance Marketing Organization (IMO) licensed to sell life insurance, annuity products, and related financial protection products in the United States. Our services include:

• Life insurance consultation and policy placement (Term Life, Whole Life, IUL, Final Expense)
• Annuity product consultation and placement
• Agent recruitment, onboarding, training, and support
• Educational resources and informational content about life insurance and retirement planning
• Online quote requests and appointment booking

All insurance products are offered through licensed insurance carriers. Eterna acts as an independent agency and does not underwrite insurance policies. Coverage is subject to carrier approval, underwriting, and applicable state regulations.

3. Not Financial or Legal Advice

The content on this Site — including articles, blog posts, calculators, and educational materials — is provided for informational purposes only and does not constitute financial, investment, tax, or legal advice.

Any coverage estimates, premium illustrations, or calculator results displayed on this Site are for illustrative purposes only and are not a guarantee of coverage, pricing, or availability. Actual rates and coverage terms are determined through a formal underwriting and application process with the applicable insurance carrier.

We strongly encourage you to consult with a licensed insurance professional, financial advisor, and/or attorney before making any insurance or financial decisions.

4. Licensing & Regulatory Compliance

Eterna Insurance Solutions and its agents are licensed to conduct insurance business in states where we are actively appointed. Licensing requirements vary by state. Not all products and services are available in all states.

Our agents hold valid state insurance licenses and are appointed with the carriers whose products they sell. All insurance transactions are conducted in compliance with applicable federal and state laws and regulations, including those administered by state Departments of Insurance.

5. Eligibility

Our services are intended for individuals who are at least 18 years of age and legal residents of the United States. By using our Site or engaging with our services, you represent and warrant that you meet these eligibility requirements.

Insurance product eligibility is subject to carrier-specific underwriting guidelines, which may include age requirements, health assessments, and state availability restrictions.

6. Accuracy of Information

We make every effort to ensure the information on this Site is accurate, current, and complete. However, we make no warranties or representations regarding the accuracy, completeness, or reliability of any content on the Site.

Insurance products, rates, carrier offerings, and regulatory requirements change frequently. Information on this Site may not reflect the most current product availability or pricing. Always confirm current information with a licensed Eterna agent before making any decisions.

You are responsible for ensuring that any information you provide to us — including on contact forms, quote requests, or insurance applications — is accurate and complete. Providing false or misleading information on an insurance application may constitute insurance fraud and can result in denial of coverage or cancellation of a policy.

7. Intellectual Property

All content on this Site — including text, graphics, logos, images, audio, video, and software — is the property of Eterna Insurance Solutions or its content suppliers and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from this Site without our prior written permission, except for personal, non-commercial use.

The Eterna name, logo, and all related trademarks and service marks are the exclusive property of Eterna Insurance Solutions. Unauthorized use of our trademarks is strictly prohibited.

8. Privacy Policy

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and protection of your personal information.

By using our Site or submitting information through any form on our Site, you consent to the collection and use of your information as described in our Privacy Policy.

9. Third-Party Links & Services

Our Site may contain links to third-party websites, including insurance carrier websites, partner services, and external resources. These links are provided for your convenience only. Eterna does not endorse, control, or take responsibility for the content, privacy practices, or terms of any third-party websites.

Your use of third-party websites is at your own risk and subject to the terms and conditions of those sites. We encourage you to review the terms and privacy policies of any third-party sites you visit.

10. Disclaimer of Warranties

This Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, Eterna Insurance Solutions disclaims all warranties, including but not limited to:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties that the Site will be uninterrupted, error-free, or free of viruses or harmful components
• Warranties regarding the accuracy, completeness, or reliability of any content on the Site

11. Limitation of Liability

To the fullest extent permitted by applicable law, Eterna Insurance Solutions and its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this Site or our services, including but not limited to:

• Loss of revenue, profits, or data
• Reliance on information provided on this Site
• Unauthorized access to or alteration of your transmissions or data
• Any other matter relating to our Site or services

In no event shall our total liability to you for all claims arising from your use of this Site exceed the amount you paid to Eterna, if any, in the twelve months preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless Eterna Insurance Solutions and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses — including reasonable attorneys' fees — arising out of or related to your use of this Site, your violation of these Terms, or your violation of any rights of a third party.

13. SMS Communications

By providing your phone number and opting in to receive SMS communications from Eterna Insurance Solutions, you consent to receive SMS messages including appointment reminders, policy updates, and occasional marketing communications.

• To opt out: Reply STOP to any SMS message at any time. You will receive a confirmation and no further messages will be sent.
• For help: Reply HELP or contact us at info@goeterna.com
• Message and data rates may apply. Message frequency varies.
• Carriers are not liable for delayed or undelivered messages.

14. Changes to These Terms

We reserve the right to modify these Terms at any time at our sole discretion. When we make changes, we will update the "Last updated" date at the top of this page. Your continued use of this Site following the posting of revised Terms constitutes your acceptance of the changes.

We encourage you to review these Terms periodically to stay informed of any updates.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under or related to these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Orange County, California.

16. Complaints, Cancellations & Dispute Resolution

Filing a Complaint with Eterna

If you have a concern about the service you received from Eterna or one of our licensed agents, we encourage you to contact us directly. We take all feedback seriously and are committed to resolving concerns promptly and professionally.

• Email: info@goeterna.com
• Phone: (321) 578-3504
• Online: goeterna.org/contact

We will acknowledge your complaint within 2 business days and work toward a resolution as quickly as possible.

Escalation to State Regulators

If your complaint is not resolved to your satisfaction, you have the right to escalate it to your state's Department of Insurance. State Departments of Insurance are regulatory bodies that oversee insurance agents, agencies, and carriers and have the authority to investigate complaints on your behalf. You can find your state's Department of Insurance at naic.org.

Policy Cancellations

It is important to understand that Eterna Insurance Solutions acts as an independent insurance agency — we facilitate the placement of insurance policies on your behalf but do not underwrite, issue, or hold your policy. As a result, policy cancellations must be requested directly with your insurance carrier, not with Eterna.

To cancel your policy, contact your carrier's customer service department using the contact information on your policy documents. Your Eterna agent can assist you in locating the correct carrier contact information and can help guide you through the process.

We strongly encourage policyholders to speak with their Eterna agent before requesting a cancellation. There may be alternative options — such as reducing your coverage amount, adjusting your premium payments, or taking a policy loan — that better serve your needs without losing your coverage entirely.

Free Look Period

Most states require insurance carriers to provide a free look period — typically 10 to 30 days from the date you receive your policy — during which you may cancel your policy for any reason and receive a full refund of premiums paid. The length of the free look period varies by state and carrier. Please review your policy documents for the specific free look period applicable to your policy.

Claim Disputes

If your insurance claim has been denied and you believe the denial is incorrect, you have the right to appeal directly with the insurance carrier. If your appeal is unsuccessful, you may escalate the matter to your state's Department of Insurance. Eterna agents are available to assist you in understanding your options and navigating the appeals process — contact us at info@goeterna.com for guidance.

17. Contact Us

If you have any questions about these Terms & Conditions, please contact us: