Refund Policy
A legal disclaimer
Houghton Retirement Solutions does not sell products or services directly through this website that are eligible for refunds.
Fees, premiums, and payments related to insurance or financial products are governed by the terms and conditions of the issuing insurance company or financial institution. Any refund, surrender, cancellation, or return of premium is subject to the specific policy or contract provisions provided by the carrier.
In certain cases, advisory or consulting services may be provided pursuant to a written agreement. Any fees associated with such services and any applicable refund terms will be clearly disclosed in the applicable agreement and will control in the event of a conflict with this policy.
Free look periods, cancellations, and refunds are determined by state insurance regulations and the issuing carrier. Clients should review all policy documents carefully to understand applicable time frames, conditions, and potential charges.
Houghton Retirement Solutions does not guarantee refunds and does not have the authority to override carrier decisions regarding refunds, cancellations, or surrender values.
If you have questions regarding a specific policy, contract, or charge, we encourage you to contact the issuing carrier directly or reach out to us for assistance in understanding your options.