Efinancial Terms Of Use

These Terms of Use constitute an Agreement between you and Efinancial (“we”, “us” or “our”) and, where applicable, between you and Michael Bowcock. By using Efinancial.com (“website” or “site”), 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 to govern your use of this website. 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, including our Privacy Policy, then you are not authorized to use any service of Efinancial.com, and you should not provide any information through this website. We may change the Terms of Use from time to time, and at any time without notice to you, by posting such changes on the Site. Please check the most current date at the end of this statement to confirm our most current website terms of use.

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.


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 does not recommend or endorse any particular insurance company. 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 service is a free service provided by Efinancial to help consumers compare and shop for life insurance. 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. Efinancial or Michael Bowcock also will not be liable for punitive damages of any kind whatsoever that may result from your use of or inability to use this website (or the materials or services provided on this website) as well as the products or services received from this website. 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 website.

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:

Alabama 449309 Nebraska 11736943
Alaska 113729 Nevada 879368
Arizona 963365 New Hampshire 2271186
Arkansas 11736943 North Dakota 11736943
California 0G99555 New Jersey 1274979
Colorado 351962 New Mexico 326865
Connecticut 2430275 New York LA-1150265
Delaware 1329934 North Carolina 11736943
Florida W144127 Ohio 990734
Georgia 2707407 Oklahoma 100158328
Hawaii 401898 Oregon 11736943
Idaho 445167 Pennsylvania 572953
Iowa 11736943 Rhode Island 2263026
Illinois 11736943 South Carolina 555369
Indiana 692213 South Dakota 40330874
Kansas 11736943 Tennessee 2005296
Kentucky 725528 Texas 1617308
Louisiana 589562 Utah 445133
Maine PRN216233 Vermont 879624
Maryland 100036958 Virginia 767747
Massachusetts 1884080 Washington 760446
Michigan 536828 Wisconsin 2553466
Minnesota 40333060 West Virginia 11736943
Mississippi 10287528 Wyoming 242858
Missouri 8046043 The District of Columbia 3044429
Montana 11736943

User Conduct

Use of the Efinancial.com site for the any following purposes or activities is strictly prohibited: 
a) conducting or supporting illegal activity of any type whatsoever;

b) transmitting or storing worms or viruses or any code of a destructive nature;

c) threatening, harassing, abusing, impersonating, injuring or intimidating others;

d) interfering with others' use of this website, unless such interference is for the purpose of complying with another section of these Terms of Use;

e) delivering spam, collecting information to deliver spam or sending unsolicited email advertisements;

f) decompiling, disassembling, reverse engineering or otherwise attempting to discover any source code contained in this website;

g) disguising the origin of any content transmitted through this website or manipulating your presence on the website; and/or

h) 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 website 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 U.S. and international copyright laws, and you are 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.

Last Update: June 12, 2017