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Refund Policy

Last updated: September 28, 2026

Pass Guarantee

Complete the 73 lessons in your guarantee study plan before exam day. If you fail your first eligible Texas Life and Health attempt during your access period, send the official Pearson VUE score report for a full refund, subject to the published conditions.

No hourly requirement and no video-watching requirement. The guarantee applies when these conditions are met:

1. The exam happened after your purchase

The guarantee covers an exam attempt scheduled and taken after the date you bought full access. It does not cover attempts that happened before you were a customer.

2. First attempt

The guarantee applies to your first attempt at the covered exam (Texas Life and Health) after purchase.

3. You completed your plan

The study milestone is 73 of 73 lessons completed (100%) in the guarantee tracker on Today and Progress. Read or listen to each lesson and save it as done. The tracker lists any lessons still to finish. Complete it before exam day. No minimum practice score, study hours, video viewing, daily streak or mock exam is required. Practice and mock exams are recommended study tools; the practice progress index is not a guarantee condition or a prediction of your exam result.

4. Official proof of the result

Attach the official Pearson VUE score report showing your name, the exam, the date and the result.

5. Within your access period

Request the refund while your 12 month access is active.

6. One refund per person

The guarantee can be used once per customer. The refund closes your access.

The 73 lessons in the guarantee plan

This list does not grow when we add optional lessons.

  1. G1-01 · Traditional Whole Life Products
  2. G1-02 · Interest Sensitive and Adjustable Life Products
  3. G1-03 · Term Life Insurance
  4. G1-04a · Annuity Contract Basics
  5. G1-04b · Fixed, Indexed, and Variable Annuity Types and Taxation
  6. G1-05 · Combination Plans and Variations
  7. G2-01a · Riders That Protect Premium Payment and Insurability
  8. G2-01b · Riders That Add or Accelerate Benefits
  9. G2-02a · Beneficiary Designations and Settlement Options
  10. G2-02b · Premium Payment and Policy Loan Mechanics
  11. G2-02c · Nonforfeiture and Dividend Options
  12. G2-03 · Policy Exclusions in Life Insurance
  13. G3-01 · Application Completion Procedures
  14. G3-02a · Sources of Underwriting Information and Privacy Rules
  15. G3-02b · Risk Classification and Medical Underwriting
  16. G3-03a · Policy Delivery Mechanics and Effective Date
  17. G3-03b · Contract Law Foundations in Insurance
  18. G4-01 · Third Party Ownership and Life Settlements
  19. G4-02 · Group Life Insurance
  20. G4-03 · Retirement Plans
  21. G4-04 · Insurance Needs Analysis
  22. G4-05 · Social Security and Tax Treatment of Retirement Products
  23. G5-01 · Disability Income Policies
  24. G5-02 · Accidental Death and Dismemberment Policies
  25. G5-03 · Medical Expense Insurance
  26. G5-04 · Medicare Supplement Policies
  27. G5-05 · Group Insurance Mechanisms
  28. G5-06 · Long Term Care Insurance
  29. G6-01a · Mandatory Uniform Provisions Part 1
  30. G6-01b · Claims Process Provisions in Health Policies
  31. G6-01c · Optional Uniform Provisions in Health Policies
  32. G6-02 · Other Health Policy Provisions and Clauses
  33. G6-03a · Health Policy Riders That Modify Coverage and Benefits
  34. G6-03b · Health Policy Renewability Classifications
  35. G7-01 · Medicare Parts A, B, C, D
  36. G7-02 · Medicaid
  37. G7-03 · Social Security Benefits and Insurance Planning
  38. G8-01 · Disability Definitions in Health Insurance
  39. G8-02 · Beneficiary Designations in Health Insurance
  40. G8-03 · Premium Payment Modes
  41. G8-04 · Coordination of Benefits
  42. G8-05 · Tax Treatment of Health Insurance
  43. G9-01 · Application Completion in Field Underwriting
  44. G9-02 · Insurability Sources and Privacy
  45. G9-03 · Premium Payment Procedures
  46. G9-04 · Underwriting Submission by the Agent
  47. G9-05 · Policy Delivery and Replacement
  48. S1-01 · Commissioner of Insurance Powers and Enforcement
  49. S1-02 · Five Essential Definitions for Texas Insurance Entities
  50. S1-03 · Agent and Agency Licensing in Texas
  51. S1-04 · Marketing Practices and Prohibited Conduct
  52. S1-05 · Commission Sharing Rules for Texas Agents
  53. S1-06 · Texas Life and Health Guaranty Association
  54. S1-07 · Nonresident Agent Licensing in Texas
  55. S2-01 · Marketing and Solicitation Rules in Texas
  56. S2-02 · Required Policy Provisions in Texas Life Insurance
  57. S2-03 · Individual Life and Annuity Consumer Protections
  58. S2-04 · Group Life Eligibility, Conversion, and Dependents
  59. S2-05 · Credit Life Insurance in Texas
  60. S2-06 · Replacement Rules for Life Insurance and Annuities
  61. S2-07 · Nonforfeiture Law in Texas
  62. S2-08a · Texas Required Individual Life Provisions Part 1
  63. S2-08b · Texas Required Individual Life Provisions Part 2
  64. S2-09 · Group Life Insurance in Texas
  65. S3-01 · Required Provisions for Newborn and Chemical Dependency Coverage
  66. S3-02 · Medicare Supplement Minimum Standards in Texas
  67. S3-03 · AIDS Testing Authorization and Consent
  68. S3-04 · Long Term Care Insurance Provisions in Texas
  69. S3-05 · Small Group Health Eligibility in Texas
  70. S3-06 · ACA Marketplace and Essential Health Benefits
  71. S3-07 · Who Counts as a Dependent in Texas Group Coverage
  72. S4-01a · HMO Definitions, Evidence of Coverage, and Enrollment
  73. S4-01b · HMO Nonrenewal, Cancellation, and Out of Network Claims

Earlier purchases and saved progress

This clarification does not add requirements to an earlier purchase. If the terms or study plan shown when you purchased were more favorable, we honor those. Lessons added after this list do not increase your guarantee requirement. Contact us if your earlier plan or saved progress is missing; missing records alone do not cancel a previously earned milestone.

How to request

Email contato@lyper.com.br from the address on your account, with the subject "Pass Guarantee" and the official score report attached. We confirm within 3 business days and process the refund to your original payment method within 10 business days of confirmation.

Other refunds

Changed your mind? Within 14 days of purchase, and if you have not completed a full diagnostic plus a week of practice, email us and we refund you. Outside these two cases, purchases are final.

Lyper Prep is a private exam preparation service. It is not affiliated with, endorsed by or connected to the Texas Department of Insurance, Pearson VUE, the NAIC or any government body. You pay Lyper for study access through Stripe. Exam registration, licensing applications and official fees are handled separately through the regulator and exam administrator.

LIZIERO DIGITAL STUDIO LTDA · CNPJ 45.725.179/0001-82
Rua Arruda Alvim, 423, Pinheiros, São Paulo/SP, CEP 05.410-020, Brazil

Support and refund requests: contato@lyper.com.br

This policy is part of our Terms of Service.