Refund Policy

Real Financial - A Nicer Way by Timo — Refund & Cancellation Policy

At Real Financial - A Nicer Way by Timo, we operate under The Nicer Way standard, prioritizing transparency, empathy, and absolute fairness in all our client relationships. We understand that plans can change, and we want you to feel confident and secure when doing business with us.

Please review our policy regarding policy cancellations, premiums, and administrative fees below:

1. Insurance Policies and Premium Refunds

• The "Free Look" Period: Most insurance policies include a standard statutory "Free Look" period (typically 10 to 30 days from policy delivery, depending on state regulations and the specific carrier). If you decide to cancel your policy within this window, you are entitled to a full refund of all premiums paid, issued directly by the insurance carrier.
• Mid-Term Cancellations: If you request to cancel an active policy after the Free Look period, any eligible refund for unused, pre-paid premiums (known as unearned premium) will be calculated and processed directly by the insurance underwriting carrier according to their specific guidelines.

2. Agency Consultation & Service Fees

• Transparency First: All standard insurance policy placements do not carry separate agency service fees unless explicitly stated, documented, and agreed upon in writing prior to binding.
• Non-Refundable Services: In rare instances where specialized, standalone consulting, custom financial planning reports, or non-carrier administrative services are contracted, those fees are considered fully earned upon delivery of the service and are non-refundable.

3. How to Request a Cancellation or Refund

If you need to cancel a policy or inquire about a premium refund, we want to make the process as smooth and simple as possible:

• Contact Us directly: Please email your request to our team or reach out through our official communication channels.
• Processing Time: While carrier-issued premium refunds are subject to the specific underwriting company's processing timelines, our agency will initiate and submit your cancellation paperwork within 24 to 48 business hours to ensure there are no unnecessary delays.

4. Contact Information

If you have any questions, concerns, or need assistance navigating a refund or cancellation, please do not hesitate to contact us. We are here to help guide you every step of the way.