Before Effective Date: Full refund
After Effective Date: Pro-rated refund as long as there are no claims filed since the effective date. There is a $50 cancellation fee.
Procedures to Cancel via Email
Please submit written correspondence in English, requests made in other languages may be returned or delayed.
Send an email to: lecnac
In the email message, please mention:
- the certificate number (also called ID number)
- name(s) of the insured person(s)
- brief reason for cancellation
- effective date of the cancellation
The earliest that you can set the effective date of cancellation is the next day. It can't be the current date or any previous date.
You will receive an email confirmation once we receive your request. Please allow around 7 to 10 business days to process the request. Once the request is processed, you will receive another email confirmation. Your refund, if any, will be made in exactly the same form that you used to originally pay for the insurance.
NOTE: All insurance companies prefer to receive such cancellation emails directly from the insured. However, if you are communicating on behalf of the insured, you must add the authorization similar to as follows:
"The insured does not have access to a computer or email to make a written request to cancel the insurance. I am the son/daughter of the insured and I have the necessary authorization to cancel their insurance. I am making a written cancellation request on their behalf."
Procedures to Cancel via MyAccount
1.) Log in to your account using the certificate number and date of birth.
2.)
Select the policy you would like to cancel and click on ‘Cancel Policy’.
If that option is greyed out, your policy is currently not cancellable. Click on the question mark for possible reasons.
3.) Complete the required fields and submit the request.
Estimate Refund
Certificate Number
Certificate Number is required.
Must only contain letters, numbers, or dashes.
Primary Insured's Date of Birth
Primary Insured's Date of Birth is required.
Please enter the Birth Date in the specified format.
Cancellation Date
Cancellation Date is required.
Please enter the Date in the specified format.
Cancellation date must be after today.
Cancellation date must be before policy expiration date.
Cancellation date must be on or after the policy effective date.
Estimate Your Refund Before You Cancel
Are you considering cancelling your insurance? Wondering how much your refund will be, if any? Enter the information on the form and get an estimate instantly.
The refund estimate will be calculated to the best of the information provided and available. The actual final refund amount may vary. Additional terms and conditions apply, as per the certificate wording.
Refund Estiamte Results
Coverage Duration Remaining
6 Months, 25 Days
Eligible Duration for Refund
6 Months, 25 Days
Refund for Left Over Duration
$254.25
Cancellation Fee
$25.00
Estimated Refund
$229.45
DISCLAIMERS:
Video Overview
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All cancellation fees, if any, are charged by the insurance company. There are no additional fees (or any other fees) charged by Insubuy®.
