It's Thrivent. The company has a long history of superior reputation and there are a number of policies to choose from. I don't know if all of them have the no use/refund policy. One of the stipulations in mine is that the coverage doesn't go into effect until 90 days has passed since medical diagnosis. Like all insurance, both the company and the policy holder kind of "bet on" what the best case scenario would look like for them and then a decision is made.