Exhibit 25

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                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549
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                                    FORM T-1

                            STATEMENT OF ELIGIBILITY
                   UNDER THE TRUST INDENTURE ACT OF 1939 OF A
                    CORPORATION DESIGNATED TO ACT AS TRUSTEE
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             CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE
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             PURSUANT TO SECTION 305(b) (2)

                WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION
               (Exact name of trustee as specified in its charter)

A U.S. National Banking Association           41-1592157
(Jurisdiction of incorporation or             (I.R.S. Employer
organization if not a U.S. national           Identification No.)
bank)

Sixth Street and Marquette Avenue
Minneapolis, Minnesota                        55479
(Address of principal executive offices)      (Zip code)

                       Stanley S. Stroup, General Counsel
                WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION
                        Sixth Street and Marquette Avenue
                          Minneapolis, Minnesota 55479
                                 (612) 667-1234
                               (Agent for Service)
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                               CII FINANCIAL, INC.
               (Exact name of obligor as specified in its charter)

     California                                 95-4188244
 (State or other jurisdiction of                (I.R.S. Employer
 incorporation or organization)                 Identification No.)

 2716 North Tenaya Way
 Las Vegas, Nevada                              89128
(Address of principal executive offices)       (Zip code)

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                   9% Senior Subordinated Debentures due 2006
                       (Title of the indenture securities)
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Item 1.  General Information.  Furnish the following information as to the
         trustee:
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                  (a)      Name and address of each examining or supervising
                           authority to which it is subject.

                           Comptroller of the Currency
                           Treasury Department
                           Washington, D.C.

                           Federal Deposit Insurance Corporation
                           Washington, D.C.

                           The Board of Governors of the Federal Reserve System
                           Washington, D.C.

                  (b)      Whether it is authorized to exercise corporate trust
                           powers.

                           The trustee is authorized to exercise corporate trust
powers.

Item 2.  Affiliations with Obligor.  If the obligor is an affiliate of the
         trustee, describe each such affiliation.
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                  None with respect to the trustee.

No responses are included for Items 3-14 of this Form T-1 because the obligor is
not in default as provided under Item 13.

Item 15.  Foreign Trustee. Not applicable.
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Item 16.  List of Exhibits. List below all exhibits filed as a part of
                            this Statement of Eligibility.
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                           Wells Fargo Bank incorporates by reference into this
                           Form T-1 the exhibits attached hereto.

          Exhibit 1.       a.   A copy of the Articles of Association of
                                the trustee now in effect.***

          Exhibit 2.       a.   A copy of the certificate of authority of the
                                trustee to commence business issued June 28,
                                1872, by the Comptroller of the Currency to The
                                Northwestern National Bank of Minneapolis.*

                           b.       A copy of the certificate of the Comptroller
                                    of  the  Currency  dated  January  2,  1934,
                                    approving   the    consolidation    of   The
                                    Northwestern  National  Bank of  Minneapolis
                                    and The Minnesota  Loan and Trust Company of
                                    Minneapolis, with the surviving entity being
                                    titled Northwestern  National Bank and Trust
                                    Company of Minneapolis.*

                           c.       A copy of the certificate of the Acting
                                    Comptroller of the Currency  dated  January
                                    12, 1943, as to change of  corporate  title
                                    of  Northwestern National Bank  and  Trust
                                    Company   of Minneapolis to Northwestern
                                    National Bank of Minneapolis.*

                           d.       A copy of the letter dated May 12, 1983 from
                                    the  Regional  Counsel,  Comptroller  of the
                                    Currency, acknowledging receipt of notice of
                                    name  change  effective  May  1,  1983  from
                                    Northwestern National Bank of Minneapolis to
                                    Norwest    Bank    Minneapolis,     National
                                    Association.*

e.                                  A copy of the letter  dated  January 4, 1988
                                    from the Administrator of National Banks for
                                    the  Comptroller of the Currency  certifying
                                    approval   of   consolidation   and   merger
                                    effective  January 1, 1988 of  Norwest  Bank
                                    Minneapolis,   National   Association   with
                                    various  other  banks  under  the  title  of
                                    "Norwest    Bank     Minnesota,     National
                                    Association."*

                           f.       A copy of the  letter  dated  July 10,  2000
                                    from the Administrator of National Banks for
                                    the  Comptroller of the Currency  certifying
                                    approval of consolidation  effective July 8,
                                    2000 of  Norwest  Bank  Minnesota,  National
                                    Association  with various  other banks under
                                    the title of "Wells  Fargo  Bank  Minnesota,
                                    National Association."****

         Exhibit 3.        A copy of the  authorization  of the  trustee  to
                           exercise corporate  trust powers issued January 2,
                           1934, by the Federal Reserve Board.*

         Exhibit 4.        Copy of By-laws of the trustee as now in effect.***

         Exhibit 5.        Not applicable.

         Exhibit 6.        The consent of the trustee required by Section 321(b)
                           of the Act.

         Exhibit           7. A copy of the latest  report of  condition  of the
                           trustee published pursuant to law or the requirements
                           of its supervising or examining  authority.  Filed in
                           paper format pursuant to form SE.

         Exhibit 8.        Not applicable.

         Exhibit 9.        Not applicable.










         *        Incorporated   by  reference  to  exhibit   number  25  filed
                  with registration statement number 33-66026.


         ***      Incorporated by reference to exhibit T3G filed with
                  registration statement number 022-22473

         ****     Incorporated by reference to exhibit number 25.1 filed with
                  registration statement number 001-15891







                                                               SIGNATURE


Pursuant to the requirements of the Trust Indenture Act of 1939, as amended, the
trustee,  Wells Fargo Bank Minnesota,  National Association,  a national banking
association  organized  and  existing  under  the laws of the  United  States of
America,  has duly  caused this  statement  of  eligibility  to be signed on its
behalf  by the  undersigned,  thereunto  duly  authorized,  all in the  City  of
Minneapolis and State of Minnesota on the 24th day of January 2001.






                                            WELLS FARGO BANK MINNESOTA,
                                            NATIONAL ASSOCIATION


                                            ----------------------
                                            Timothy P. Mowdy
                                            Corporate Trust Officer









                                    EXHIBIT 6




January 24, 2001



Securities and Exchange Commission
Washington, D.C.  20549

Gentlemen:

In  accordance  with  Section  321(b) of the  Trust  Indenture  Act of 1939,  as
amended,  the  undersigned  hereby  consents that reports of  examination of the
undersigned  made  by  Federal,  State,  Territorial,  or  District  authorities
authorized to make such  examination may be furnished by such authorities to the
Securities and Exchange Commission upon its request therefor.





                                            Very truly yours,

                                            WELLS FARGO BANK MINNESOTA,
                                            NATIONAL ASSOCIATION



                                            --------------------------
                                            Timothy P. Mowdy
                                            Corporate Trust Officer