Effective Date: 20-May-2025

At Total Guard Insurance, we aim to provide clear and fair refund practices regarding our services and insurance-related payments.

1. Premium Payments
Premium payments submitted through Total Guard Insurance are forwarded directly to the respective insurance carriers. Refunds on premiums are governed by the refund and cancellation policies of those carriers. Total Guard Insurance does not process or issue refunds on behalf of insurance carriers.

2. Service Fees
Service fees (e.g., administrative, consultation, processing) may be eligible for a refund if:

The request is made within 7 calendar days of the payment date

The associated service has not been rendered or partially delivered

Non-refundable situations include:

Services already provided

Customized policy work already completed

Policy submission and processing fees

3. Refund Processing
Approved refunds will be processed within 10–15 business days from the approval date. Refunds will be issued to the original payment method unless otherwise agreed.

4. Cancellation-Related Refunds
If your policy is canceled and the insurance carrier determines a prorated refund is due, the refund will be issued in accordance with the carrier’s timeline and method. We are not responsible for delays or denials related to those refunds.

5. Requesting a Refund
To request a refund, contact our customer support team with the following details:

Full name

Contact information

Date of payment

Transaction or policy number

Reason for the refund request

Email: info@totalguardinsurance.com
Phone: (888) 504-2674

6. Policy Updates
This Refund Policy may be updated at any time. All changes will be posted on this page with the new effective date.