How cancellations and refunds work.

Overview

This Refund & Return Policy explains how cancellation requests, refund requests, and related matters are generally handled in connection with the website and the services offered through it.

Because insurance involves regulated products issued by insurance carriers, the way cancellations and refunds work depends on the applicable policy, the carrier that issued it, and the laws of the state in which the policy was issued.

This policy is intended to give you a clear picture of what to expect. Where a specific situation involves the terms of an insurance policy, those terms will govern.

Nature of Our Services

ConsultingInsurance provides general guidance about insurance categories — Auto, Home, Life, Renters, and Business — and helps you start a conversation about coverage options. We do not manufacture insurance products.

This means:

• Insurance policies are issued by the insurance carrier, not by us.
• Premiums are generally paid to the carrier, not to us, unless a specific payment arrangement has been agreed in writing.
• Cancellations, premium refunds, and coverage disputes are usually handled by the carrier under the terms of the policy and applicable state law.

Because of this structure, much of what people think of as a "refund" in other industries works differently in insurance.

Initial Consultations

Reaching out to us — by phone, email, or a form on the website — does not require a payment and does not create a policy. The initial conversation is simply a starting point.

If any fee-based service is ever offered, the nature of the service and the applicable fee will be explained in advance, and no charge will be applied without your agreement.

Premiums and Payments

If you choose to obtain coverage, premiums are generally paid directly to the insurance carrier. Payment schedules, accepted payment methods, and installment options are set by the carrier and are described in the policy documents.

Because premiums are paid to the carrier, any refund of premium is also generally handled by the carrier in accordance with the policy and applicable regulations.

Cancelling a Policy

You may generally request cancellation of a policy by contacting the insurance carrier that issued it or by contacting us and asking us to help you with the process. The exact steps, timing, and any conditions are set by the carrier and by the laws of the state in which the policy was issued.

Depending on the policy and applicable law, a cancellation may be handled in one of several ways, such as:

• Flat cancellation — where the policy is cancelled before coverage begins and any premium paid is refunded.
• Short-rate cancellation — where a policy is cancelled mid-term and the refund reflects the time on risk, as allowed by the policy and applicable law.
• Pro-rata cancellation — where the refund is calculated in proportion to the unused term, in situations where this method applies.

The method that applies in your situation will be determined by the carrier and applicable law, and will typically be described in the policy documents.

Premium Refunds

When a refund of premium is due, it is generally issued by the insurance carrier that received the premium. The method of refund — for example, a check, a card credit, or a credit on the account — is determined by the carrier's practices.

Whether a refund applies, and how much it is, depends on factors such as:

• The terms of the applicable insurance policy.
• The effective date of cancellation and the amount of time the coverage was in effect.
• The rules of the state in which the policy was issued.
• Whether any claims or other activity affect the calculation.

Because these details are policy-specific, the most accurate answer to a refund question will come from the carrier that issued the policy. If you'd like, we can help you reach the right contact.

Billing Errors

If you believe a payment was made in error, was duplicated, or does not match what you agreed to, please contact us as soon as possible with the details. We will help you review the situation and, where appropriate, coordinate with the insurance carrier to resolve it.

The sooner a billing concern is raised, the easier it is to correct. Please have any relevant information — such as dates, amounts, and any reference numbers — ready when you get in touch.

How to Request a Refund

To request a refund or ask about a refund that may apply, please contact us using the details in Section 13. When you reach out, it helps to have the following information available:

• Your name and preferred contact method.
• The insurance area or policy the request relates to.
• Any policy or reference number, if available.
• A brief description of the situation and what you would like to happen.

Where a refund is determined to be due, we will help coordinate with the applicable insurance carrier so the request can be handled through the correct channel.

Processing Time

Refunds of premium are issued by the insurance carrier, and the timing depends on the carrier's own processing practices and any requirements that apply. Once a refund has been approved, the carrier will generally process it according to its standard timelines.

If you are waiting on a refund and would like an update, we can help you find the right point of contact at the carrier.

Exceptions

Some situations may fall outside the general scope of this policy. For example:

• Refunds where the applicable insurance policy or state law does not provide for one.
• Refunds requested after a policy's cancellation provisions no longer apply.
• Matters that fall under a specific dispute-resolution or regulatory process.

Where a request falls outside this policy, we will do our best to explain why and to point you toward the appropriate next step.

Chargebacks

If you have a concern about a payment, we encourage you to contact us first so we can help resolve it. In many cases, a billing concern can be addressed more quickly through a direct conversation than through a chargeback process.

If a chargeback is initiated, the matter may be handled by the payment provider and, where relevant, the insurance carrier, in accordance with their processes.

Changes to This Policy

This Refund & Return Policy may be updated from time to time to reflect changes in our practices or applicable legal requirements. When changes are made, the "Last Updated" date at the top of this page will be revised.

We encourage you to review this page periodically so you are aware of how cancellations and refunds are handled.

Contact Us

If you have questions about this Refund & Return Policy, or if you would like to make a request, you can contact us using the details below.