Terms & Conditions

A & R Consulting Group — last updated July 10, 2026

SMS Messaging Program

You join the A & R Consulting Group SMS program only when you affirmatively ask an agent to text you, submit a web form with the SMS disclosure and unchecked agreement box, or send a recognized opt-in keyword such as START. Merely providing a phone number does not, by itself, enroll you in automated marketing texts. Messages may relate to a retirement or insurance review, quote, application, appointment, or policy, depending on the request you made.

Message Frequency & Cost

Message frequency varies based on your interactions with your agent. Message and data rates may apply depending on your mobile carrier and plan. A & R Consulting Group does not charge for these messages. Agreeing to receive marketing calls or texts is not required to purchase any product or service.

Opt-In & Opt-Out

You may opt out of SMS messages at any time by replying STOP, STOPALL, UNSUBSCRIBE, CANCEL, END, or QUIT to any message. You will receive a one-time confirmation that you have been unsubscribed, and no further messages will be sent unless you opt back in by texting START. Reply HELP at any time for assistance, or contact your agent directly.

Carrier Liability

Carriers are not liable for delayed or undelivered messages. Supported carriers are not liable for delayed or undelivered messages.

Contact

Questions about this SMS program can be directed to your A & R Consulting Group agent, or by replying HELP to any message you receive.

See also our Privacy Policy.