I have talked with both of the owners of this group and both have promised me to give me back my full refund. In order for me to get it, they claimed they sent me the papers to sign for it . I have yet received any papers through the mail as they have said they sent them via post office 4 times. I keep getting the run around. Also, they want to take out an attorney fee now to ask him what to do. How ridiculous!!! They are trying to cheat me out of over $1360. Please do not use this group as they have gotten a new business with their group called Lifequard Financial. I believe that business is located in Fla. but is working together with Xtra Financial or they are phasing out the Xtra Financial. People beware of their scams.