Credit Insurance General Agency and Related Services, LLC (CIGAARS) was founded in 1999 and currently represents several insurance companies in 17 states. CIGAARS specializes in serving the independent finance company market with credit related products including — but not limited to — Accidental Death and Dismemberment, Auto GAP Insurance, Credit Disability, Credit Life, Credit Property, Involuntary Unemployment Insurance, and Vendors Single Interest. The management and staff of CIGAARS have been administrating premium and refunds, as well as adjudicating claims of credit insurance products, for over 25 years. CIGAARS actively participates in several state associations and assists with lobbying efforts to help insure the future of the independent market in the credit insurance industry. CIGAARS has built a reputation as a consistent and reliable source of valuable information; and has developed long term client relationships by supplying fast, friendly, and accurate service with the financial security of A+ carriers.