Billing can often slip our minds until we encounter an unexpected charge, such as an automatic subscription renewal. At Prosperity Life Inc., we understand that navigating refunds can be confusing, which is why we’ve created this guide. Here, you will find clear information on how our refund process works, who is eligible for a refund, and the straightforward steps to request your money back swiftly. Our goal is to make this experience as seamless as possible for you.
What You Should Prepare Before Applying For Refund
Policy Number: Have your specific policy number handy, as this is essential for identifying your account.
Transaction ID: Locate the transaction ID from your initial payment; this will help track your refund request.
Proof of Payment: Gather any receipts or bank statements that confirm your payment to Prosperity Life Inc.
Refund Request Form: Complete the refund request form available on the Prosperity Life Inc. website, ensuring all sections are filled out accurately.
Personal Identification: Have a copy of your government-issued ID to verify your identity during the refund process.
Communication Records: Keep a record of any previous communications with customer service regarding your policy or refund inquiry.
Reason for Refund: Be prepared to provide a clear and concise explanation for why you are requesting the refund.
Current Contact Information: Ensure your email and phone number are up to date for any follow-up correspondence regarding your refund.
How Long Does it Take to Get a Refund?
Payment method
How long it takes*
Credit Card
5-7 working days
Bank Transfer
7-10 working days
Check
10-14 working days
Digital Wallet
3-5 working days
Automated Clearing House (ACH)
5-7 working days
*Working days are Monday to Friday, and don't include public holidays.
What are my Rights? Am I eligible for a Refund from Prosperity Life Inc.
At Prosperity Life Inc., customers have specific rights and options regarding refunds tailored to the nature of our services, which include life insurance and related financial products. Understanding your eligibility for a refund is essential, and we aim to provide clarity on various scenarios that may qualify for a refund.
Refund eligibility at Prosperity Life Inc. may apply in the following situations:
Request for Cancellation: If you choose to cancel your insurance policy within the designated free look period, you may be eligible for a refund of premiums paid.
Policy Reinstatement: In the case of an administrative issue leading to your policy lapse, a reinstatement may allow for a refund of timely submitted payments for that period.
Incorrect Billing: Should there be discrepancies in billing resulting from updates to your policy or plan selection, you may qualify for corrections and potential refunds for overpayments.
Service Failures: If a service related to your policy or account management does not perform as expected, you might be eligible for a refund based on our service guarantee terms.
Benefits Not Received: If you believe that certain benefits pursuant to your policy were not provided as outlined, this circumstance could potentially qualify for a reassessment and possible refund.
If you believe that you may be eligible for a refund based on any of these situations, we recommend reaching out to our customer service team for further guidance tailored to your specific circumstances.
Step-by-Step Process to Request Your Prosperity Life Inc. Refund Like a Pro
If you purchased through prosperitylifeinc.com:
Visit the Prosperity Life Inc. website and log in to your account.
Navigate to the Account Settings section.
Look for the Billing Information or Purchase History option.
Find the specific membership or subscription you wish to refund.
Click on Request Refund or similar link provided next to the purchase.
Fill out the refund request form with accurate details.
In the message box:
Mention that the service was not used to strengthen your case.
Emphasize that the subscription renewed without clear notification to increase urgency.
Submit the refund request and keep an eye on your email for confirmation.
If you purchased through Apple:
Open the Settings app on your Apple device.
Tap on your Apple ID at the top of the screen.
Select Subscriptions.
Locate the Prosperity Life subscription in your list.
Tap on it and select Cancel Subscription.
Return to the previous menu, tap on Report a Problem.
Choose the subscription you want to request a refund for.
In the description, include phrases like:
The account remained unused.
The renewal occurred without my prior knowledge.
Submit your report and await a response from Apple.
If you purchased through Google Play:
Open the Google Play Store app on your Android device.
Tap on the Menu icon (three horizontal lines) and select Account.
Scroll to the Purchase History section.
Find and select the Prosperity Life subscription.
Tap on Refund or choose Report a Problem.
In the issue description, note that:
Your account has not been used.
You were not informed about the auto-renewal.
Follow the prompts to complete the refund request and check your email for updates.
If you purchased through Roku:
Visit the Roku website and sign into your account.
Select Manage your subscriptions.
Find the Prosperity Life subscription in the list.
Click on Unsubscribe to begin cancellation.
After cancellation, navigate to the Support section of the website.
Look for the Contact Us link and submit a ticket for a refund.
In your request, mention:
The service was never utilized.
Renewal happened without a reminder.
Submit the request and keep an eye out for a response.
Disclaimer
Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.
The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.
Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.
Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company's terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.
Get help with your refund
"This app saved me $127 in minutes"
Draft email to Prosperity Life Inc. for Refund
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Subject: Refund Request – Prosperity Life Inc. Account [Your Email]
Dear Prosperity Life Inc. Team,
I hope this message finds you well.
[describe reason]
I would like to request a refund in the amount of [Amount].
Attached are the relevant documents for your reference.
I would appreciate your confirmation of this request within 3-5 business days.
Thank you for your attention to this matter.
Sincerely,
[Your Name]
[Your Phone Number]
Common refund statuses
Status
Meaning
What It Means for You
Pending
The refund request has been received and is awaiting approval.
You will receive an update once the request is reviewed, typically within 3-5 business days.
Processing
The refund is currently being processed by our financial department.
Refunds usually take 5-7 business days to process after approval.
Refunded
The refund has been successfully issued back to your account.
Check your account to confirm the refund has appeared, which may take 1-3 business days to reflect.
Partially Refunded
A portion of your refund request has been approved and processed.
You will receive confirmation of the refunded amount and can track the remaining balance.
Completed
The refund process has been finalized and all steps are complete.
You no longer need to take action, and all funds should be returned to your account.
Canceled
The refund request has been canceled either by you or due to policy reasons.
If you wish to inquire about this cancellation, you may contact customer support for further details.
Real User Scenarios: When and How Refunds Were Successfully Claimed
At Prosperity Life Inc., users often seek refunds due to various account management inquiries or changes in their service needs. Here are some realistic scenarios illustrating how users have successfully claimed refunds.
Annual Policy Upgrade Issue: A customer decided to upgrade their life insurance policy to better fit their growing family. Upon reviewing their new premium, they realized the adjustment was not what they anticipated. By contacting customer service with their concerns, they received a refund for the excess amount charged during the upgrade process.
Accidental Subscription Overlap: An individual signed up for a new term life insurance plan but forgot they had an existing plan active with Prosperity Life Inc. After noticing the dual billing, they reached out to customer support. The team promptly resolved the confusion and issued a refund for the second subscription, aligning everything under one account.
Service Cancellation Confirmation: A client had previously requested to cancel a particular rider on their life insurance policy but saw a renewal charge the following month. Upon contacting support to clarify the status of their cancellation, they were informed of a processing delay and subsequently received a refund for the unintended charge.
Policy Transfer Clarification: A user initiated a transfer of their life insurance policy to a new state and found discrepancies in the billing during the transition. When they reached out to Prosperity Life Inc. for clarification about the charges, the customer service representative rectified the billing and provided a refund for the mistakenly charged premium.
The Easiest Way to Get a Prosperity Life Inc. Refund
If you're frustrated trying to get a refund from Prosperity Life Inc.—or if you didn't even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or card account, and we'll take care of the rest.
How to Track Your Refund Status Efficiently
Tracking your refund status with Prosperity Life Inc. is designed to be straightforward and user-friendly. Follow these tips to efficiently stay updated on your refund progress:
Check Your Email: Prosperity Life Inc. regularly sends refund status updates via email. Keep an eye out for messages that include your refund confirmation and estimated processing times. Make sure to check your spam folder for any missed communications.
Utilize the Account Dashboard: Log into your Prosperity Life Inc. account and navigate to the Billing section of your dashboard. Here, you can view the status of your refunds, including pending and completed transactions, all in one place.
Mobile Application Notifications: If you have the Prosperity Life mobile app, enable notifications to receive instant updates on your refund status directly on your device. This feature ensures you are promptly informed of any changes without needing to log in repeatedly.
Review Order History: Your order history will show all past transactions, including any associated refunds. Access this section under your account settings to find detailed information about each refund, such as the item description and amount returned.
Customer Support Access: If you have any questions about your refund status, Prosperity Life Inc. offers customer support through live chat and email. Utilize these tools to get detailed assistance on any specific issues you may encounter.
FAQ
Refunds at Prosperity Life Inc. are typically subject to the terms outlined in your policy agreement. If you forgot to cancel on time, it's recommended to reach out to their customer service team to discuss your situation, as they may be able to provide assistance or options based on your circumstances.
Refunds from Prosperity Life Inc. typically take 5 to 10 business days to process, depending on your bank's policies and the payment method used. Once your refund is initiated, you should see it reflected in your account shortly thereafter.
If you see a charge from Prosperity Life Inc. but do not have an active subscription, please first check your email for any account-related communications. If you still have questions, contact our customer support team with the details of the charge, and they will assist you in resolving the issue.
If you are unable to obtain a refund directly from Prosperity Life Inc., consider reaching out to their customer service team once more to clarify your request. You may also explore options to escalate the issue within their support system for further assistance. Additionally, reviewing your account details and any relevant correspondence may provide helpful information to support your inquiry.
If Prosperity Life Inc. is unable to issue a refund, consider reviewing their refund policy for any specific requirements that may have been missed. Additionally, you can reach out to their customer support team again for further clarification or assistance, and ensure that all account details are accurate to facilitate your inquiry.
Chargeback and the Chargeback trademarks used herein are trademarks or registered trademarks of Chargeback and its affiliates. The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Other product and company names mentioned herein are the property of their respective owners.
¹ Total savings is calculated based on internal annualized estimates of savings for customers. ² Average requests times may vary depending on volume of requests
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