The phrase "total refund" means that you will get back all the money you spent on a product or service if you are not satisfied with it. Full definition
But there are still issues of how much was received by the federal government as total refund; and how much is each state entitled to in the final analysis. (dailypost.ng)
Maturity benefits: Unlike traditional life insurance, term benefit policies offer total refund of premiums and additional bonus to the policy - holder, if the policy is continued till the end of the term. (tomorrowmakers.com)
In fact, according to the IRS's figures compiled after the late filing deadline in October 2016, the average total refund was $ 2,777 — a 1.8 % increase from 2015. (elfi.com)