Cancellation, free-look refunds, surrender value, and the date coverage ends depend on the specific policy and state. Read the written terms before cancelling.
Ask the insurer for the written free-look, cancellation, surrender, and coverage-end terms for your policy. A refund during a free-look period and any later cash surrender value depend on those terms and applicable state rules. Do not assume a universal period or refund percentage.
Before cancelling, compare the cost and availability of replacement coverage and confirm when existing coverage would end. Request the insurer’s current value statement if you are considering surrender or a policy loan.
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