Satisfaction/Return Policy

It is understood I (we) will have ten (10) days from the effective date to review the insurance Certificate and all benefits, terms, conditions, limitations, and exclusions of coverage. If not completely satisfied, I (we) may cancel this insurance by written request retroactive to the effective date and receive a full refund of premium minus the processing fees of five (5) percent of the total premium.  

For protection services, cancellation can be made within  twenty (20) days prior to services being provided if notice is made in writing. However, if notice is made after 20 days. Refund will be made minus expenses advanced paid equal to but not greater to fifty (50) percent of the amount paid.