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Money Back Guarantee For Life Insurance? Learn More About The Free Look Period

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Did you know that life insurance policies have a money-back guarantee?

Well believe it, because it’s true. Just like diets, cars, and almost anything else, you have time to cancel your new life insurance policy and receive a full refund of the premium you have already paid if you have buyer’s remorse.

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The question is, with the ability to “return” a policy, what is holding you back from buying a life insurance policy that will protect your family when you die? It’s going to happen to all of us…better be prepared!

Lets take a moment to understand this money back guarantee provision of life insurance called the Free Look Provision.

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What Is The Free Look Provision In Life Insurance?

All life insurance plans include a free look provision, which allows you to look over your policy and think some more about your purchase and if the policy was the right one for you, or if you even want it to begin with.

If you decide to cancel your policy during the free look period, you will receive a full refund of the premium you have already paid.

It is truly a money-back guarantee.

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How Long Is The Free Look Period?

The free look period varies between insurance companies and states.

In Texas, for instance, the free look period is between 10-20 days. That should give you plenty of time to read the details of your policy and decide if you really do want the life insurance policy that you purchased.

Many insurance companies require that you cancel your policy in writing. To be safe, make sure you speak with your agent that sold you the policy. He or she will make sure your policy gets cancelled in a timely fashion.

When the free look provision is used, all premiums you have paid are returned, and you have no more financial obligation.

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Besides The Free Look Period, Why Else Should You Purchase Whole Life Insurance?

So now you know that a life insurance policy comes with a money-back guarantee. What other reasons should you consider a purchase of whole life insurance?

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First, Whole Life Insurance will definitely, 100% be paid upon your death as long as you continue to make your premiums. There is no expiration date.

If you purchase a $10,000 Whole Life Insurance policy and keep up with your premiums (or someone keeps up with them for you), your beneficiaries will get $10,000 upon your death.

That helps pay for a funeral, final expenses, and even a little left over to help your loved ones out with their own expenses.

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Second, our policies at Gee Insurance Solutions come with almost no medical underwriting. Just a couple of simple questions and you’re done. We can complete an application in 15 minutes and have you approved.

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Third, you’ll leave a legacy behind for your loved ones. They will know that you cared enough about them to prepare them financially for after you are gone.

We have customers all the time tell us how much they appreciated that their mom, dad, grandmother, grandfather, or another loved one had a life insurance policy that helped out during a traumatic time. Now, they want to leave behind the same for their family.

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Lastly, Whole Life Insurance is not nearly as expensive as some people think, even if you’re not the picture of health. I wish I had a nickel for all of the surprised looks I’ve seen when I give someone a quote.

If you haven’t taken the 15 minutes it takes to buy a life insurance policy, do it today.

But hold on!

Why Is Life Insurance Better Than A Prepaid Funeral Insurance Plan?

I hear this question all the time.

Why buy life insurance when I can buy a prepaid funeral insurance plan?

Have you ever wondered why the only places that sell prepaid funeral insurance are funeral homes? It’s because they make a whoooooole lot of money doing so.

Prepaid funeral insurance is a type of policy that pays for funeral services in advance. It locks in the cost of a funeral at current prices. Sounds great, huh?

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However, funeral insurance can be more expensive compared to other types of life insurance. In fact, the premium may EXCEED the actual death benefit.

Also, many policies won’t pay for the full funeral expenses if you die before paying a required amount.

Not so with whole life insurance. Even if you’ve paid just 1 premium, if you die the next day, your loved ones will receive the ENTIRE benefit if you have a whole life insurance policy.

Also, funeral insurance only pays for the funeral. If you have a life insurance policy, and your loved ones have a little left over after taking care of your funeral and final expenses, they still get the extra money. Most people like the idea of helping out their family, and life insurance is the way to go.

How To Buy A Money-Back Guaranteed Final Expense Whole Life Insurance Policy

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At Gee Insurance Solutions, our entire focus is making sure you are leaving your loved ones what they need to stay financially secure during a sad time in their lives.

Dealing with the death of a loved one is difficult emotionally. It shouldn’t come with financial difficulties. A little bit of planning on your part, and a 15 minute conversation will give your family some peace of mind in the midst of their sadness.

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Don’t put it off any longer. Contact us today at (682) 305-1527 or

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