Refund Policy

1. Important Notice About Our Business

Secure Seniors Benefit is a website operated by BizProfitMinded LLC, a marketing and advertising company. We are not an insurance company, insurance agency, or insurance producer. We do not sell, solicit, underwrite, or issue insurance, and we do not collect premiums.

When you buy a policy through our service, your premium is paid to the insurance carrier that issues the policy — never to us.

2. Who Holds Your Money

Because your premium is paid to the carrier, the carrier — not Secure Seniors Benefit and not BizProfitMinded LLC — is the party that holds your money, and the only party that can issue a refund of premium.

3. Your “Free Look” Period — Your Money-Back Window

Every final expense life insurance policy includes a free look period, usually 10 to 30 days depending on your state. If you change your mind during the free look period, you are entitled to a full refund of the premiums you have paid.

To exercise your free look right, contact the carrier that issued your policy. The carrier’s phone number is printed on your policy documents.

4. How to Request a Refund

• Find your policy documents — the papers or email you received from the carrier.
• Call the carrier’s phone number printed on them.
• Tell the carrier you want to cancel under your free look right and request a refund of premiums paid.

5. What We Can and Cannot Do

We cannot:

• Process a refund — we never held your premium.
• Cancel or change a policy — we are not the issuer.
• Quote a rate or tell you which policy to buy — we are not licensed to.

We can:

• Point you to the carrier’s contact information, which is printed on your policy documents.

6. Timing

Carriers typically process free look refunds within a few weeks of the cancellation request. The exact timing depends on the carrier and how you paid your premium.

7. Questions

This Refund Policy is provided for general information only and is not legal or insurance advice. The exact free look period, refund terms, and cancellation rights are set by the laws of your state and the terms of the carrier’s policy contract. The policy contract always controls. For questions about an existing policy, a premium, or a refund, contact the carrier that issued the policy.