Refund Policy
Effective Date: January 1, 2026 · Smith Insurance and Financial Services, Inc.
SMITH INSURANCE AND FINANCIAL SERVICES, INC. is committed to transparency regarding fees, payments, and service-related charges.
Insurance Premiums
Insurance premiums are generally governed by the terms and conditions of the issuing insurance carrier. Refund eligibility for premiums may depend on:
- Carrier policies
- State regulations
- Cancellation timing
- Policy terms
Service Fees
Broker fees, consultation fees, administrative fees, or service charges may be non-refundable once services have been performed.
Policy Cancellations
Clients requesting cancellation of insurance policies should contact our office directly. Refunds, if applicable, may be prorated according to:
- Carrier rules
- Policy contracts
- Applicable state laws
No Guarantee of Refund
Not all products or services are eligible for refunds. Refund determinations may vary depending on the insurance provider and policy type.
Processing Times
Approved refunds may require several business days for processing depending on financial institutions and insurance carriers.
Client Responsibilities
Clients are responsible for reviewing:
- Policy documents
- Coverage terms
- Billing statements
- Cancellation provisions
Disputes
Billing concerns should be reported promptly. We strive to resolve disputes professionally and fairly.
Chargebacks
Unauthorized chargebacks may result in account review and suspension of services where legally permitted.
Policy Changes
We reserve the right to modify this Refund Policy at any time without prior notice.
Contact Information
SMITH INSURANCE AND FINANCIAL SERVICES, INC.
4167 E 14 MILE RD
STERLING HEIGHTS, MI 48310
Phone: (947) 267-4429
Email: owner@smithinsuranceandfinancialservices.com