Refund Policy

1Insurance Premium Payments

Insurance premium payments are governed by the terms established by the insurance carrier underwriting the policy. Carolina Blue Insurance Services, LLC acts as an agent or broker and does not directly collect or hold premium payments on behalf of clients in most circumstances.

2Refund Eligibility

Refund eligibility may vary depending on:

• Policy type and coverage category
• Insurance carrier rules and guidelines
• Applicable state regulations in North Carolina
• Cancellation timing relative to policy effective date

3Policy Cancellations

Policyholders may request cancellation according to carrier procedures and applicable North Carolina regulations. Cancellation requests may require:

• Written authorization from the named insured
• Signed cancellation documentation
• Verification of identity

4Pro-Rated Refunds

Where applicable, refunds may be issued on a pro-rated basis for unused coverage periods following policy cancellation. The specific calculation method is determined by the insurance carrier and policy terms.

5Non-Refundable Fees

Administrative charges, processing fees, and certain service-related fees may be non-refundable where legally permitted under North Carolina law. Any applicable non-refundable fees will be disclosed prior to policy binding.

6Refund Processing

Approved refunds may require several business days to process depending on the insurance carrier, banking institution, and payment provider involved. Carolina Blue Insurance Services, LLC will assist in facilitating the refund process but cannot guarantee specific processing timelines set by third-party carriers.

7Billing Questions

Customers should contact our office promptly regarding any billing concerns, disputed charges, or questions about premium payments. We are committed to resolving billing issues quickly and transparently.

8No Guarantee of Refunds

Refund approvals remain subject to insurance carrier policies, signed policy agreements, and applicable North Carolina laws and regulations. Carolina Blue Insurance Services, LLC cannot guarantee refund approval in all circumstances.

9Contact Information