30-Day Refund & Cancellation Policy
At Safe Life Insurance, we want our customers to feel confident in their coverage decisions. If you are not satisfied with your policy, you may cancel within the first 30 days of activation and receive a refund in accordance with the terms outlined below.
1. 30-Day Free-Look Period
All newly issued policies include a 30-day free-look period beginning on the date the policy becomes active. During this period, you may:
• Review your policy
• Ask questions
• Request changes
• Request cancellation
If canceled during this period, you may qualify for a refund of premiums paid, subject to applicable deductions.
2. Refund Eligibility
A refund may be issued if:
• The request is made within 30 days of policy activation
• No claims have been filed during the period
• No benefits have been paid out
• Premiums are paid and up to date
If a claim has been submitted or benefits have been paid within the 30-day period, refunds may not be granted.
3. Refund Amount Calculation
Refunds typically include:
• Full or prorated premium refunds (depending on policy type)
• Less any applicable administrative or underwriting fees
Refunds are processed within 7 to 14 business days after cancellation approval.
4. Cancellation After 30 Days
Policies canceled after the 30-day period may not qualify for a full refund. Cancellations after 30 days will follow:
• State regulations
• Policy-specific terms
• Pro-rated billing (if applicable)
Certain long-term life policies may be subject to surrender charges or non-refundable fees.
5. How to Request a Cancellation
To cancel your policy, submit a written request to:
Email: contact@safelifeinsurance.pro
Include the following details:
• Policyholder full name
• Policy number (if issued)
• Contact information
• Reason for cancellation (optional)
Our team may request verification for security and compliance purposes.
6. Non-Refundable Fees
The following may be non-refundable:
• Underwriting and administrative fees
• Specialty riders or endorsements
• Third-party fees associated with policy customization
These vary by policy type and insurance product.
7. State Regulations
Refunds and cancellation rights may vary depending on the state in which your policy was issued. Where applicable, state regulations will override sections of this policy.
8. Exceptions
Certain policies may not qualify for refunds due to regulatory classification, including but not limited to:
• Short-term specialty coverage
• High-risk business policies
• Certain whole life structures with immediate cash value impact
Any exceptions will be disclosed in the individual policy terms.
9. Contact Information
For refund or cancellation inquiries, reach us at: