How to Get Out of Your Assurity Life Insurance Policy [Right Way]
If you're looking to get out of your Assurity life insurance policy, the first step is contacting Assurity life insurance customer service. You may want to have easy access to policy information, such as account numbers and effective dates. You should also consider coordinating a new life insurance policy so that you don't have lapses in coverage.
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UPDATED: Jul 15, 2021
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- If you’re going to cancel your Assurity life insurance, make sure to time it so you don’t have lapses in coverage
- To begin canceling your insurance policy, contact Assurity and access your policy online
- You may qualify for a refund depending on the type of policy you have and whether you prepaid premiums
Have you decided that you want to get out of your Assurity life insurance policy? Since you did not buy life insurance thinking of canceling it, you might not know everything about the process. We have compiled some information on how to cancel a life insurance policy through Assurity.
If you are not happy with your Assurity life insurance rates, learn how to get out of your Assurity life insurance policy, then enter your ZIP code above to compare rates from companies in your area for free.
How do I cancel my Assurity life insurance policy?
First, you will need to contact the Assurity life insurance customer service team. You can use your Assurity life insurance login to get contact information and access your information on the policy you hold.
The website can provide valuable information that the team will need to help you through this process, such as what type of life insurance you have, account numbers, insurance policy dates, and coverage information.
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When should I cancel my life insurance policy?
Whether you are canceling because you could not find affordable Assurity life insurance rates or because you weren’t happy with customer service, choosing the right time to cancel is important.
This will be determined by you and your agent or customer service team. If you intend to buy Assurity life insurance in another form or valuation, timing your current policy to end and the new policy to start simultaneously might be feasible.
However, if you do not continue the relationship with the Assurity life insurance company but have a policy elsewhere, the timing should be coordinated with both companies. This will ensure you don’t lose any premium valuation by paying for two policies.
Additionally, cash-out rules could apply that might need to be considered in the timing of your cancellation.
Finally, remember that, unless independently wealthy, you want to ensure you don’t allow a lapse in coverage to occur or risk not being covered during a fatal event.
Do I get a refund if I cancel my life insurance?
Most term life insurance policies will not qualify for a premium refund unless you prepaid for a certain amount of time. Other insurance types might have a cash-out, surrender, or sale value.
Therefore, knowing exactly what type of policy you purchased will determine your cancellation rights and the refund policy attached.
If you’re not happy with your Assurity life insurance quotes, here’s what you need to know to cancel: First, know what type of policy you have. If you don’t remember, you should be able to check your policy itself or contact the company to ask.
Second, know the best timing for the cancellation to maximize coverage without double paying premiums on multiple policies.
Now that you know more about how to get out of your Assurity life insurance policy, enter your ZIP code into our free quote comparison tool below to find affordable life insurance near you.