Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jul 15, 2021

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The Brief

  • You can cancel Assurity life insurance at any time for any reason
  • You may have to pay fees to cancel depending on what type of policy you have and where you live
  • If you need cheaper rates, consider changing the type of policy you have or lowering your coverage

While there are a variety of reasons why you might need to know how to cancel Assurity life insurance, the good news is that it’s a simple process.

We’ll walk you through the steps for how to cancel your Assurity life insurance company coverage, and even assist you in finding new coverage.

Read our Assurity life insurance company review before you cancel your coverage. The review covers Assurity rates, ratings, and products in detail.

Keep reading to learn how to cancel Assurity insurance easily. Enter your ZIP code now to compare life insurance quotes from multiple companies near you.

What are the steps to cancel Assurity life insurance?

You may want to cancel your Assurity life insurance for a variety of reasons. You can cancel at any time for any reason, whether you’ve discovered a better deal elsewhere or simply don’t want life insurance at all.

Although there are some differences between canceling term and whole life insurance, these are the general steps you should follow to cancel Assurity insurance:

  • Step 1 – You can either call customer service at (800) 869-0355 or use your Assurity life insurance login online to begin the cancellation process.
  • Step 2 – Provide your personal information as well as your policy number.
  • Step 3 – Explain that you are canceling your life insurance. If you speak to an agent, they may offer you alternatives to lower your rates if that is why you are canceling.
  • Step 4 – Request that your cancellation is confirmed in writing. It’s possible that you’ll need to submit a written cancellation request for your policy.
  • Step 5 – Follow up. Check that your cancellation is complete and that you have received any refunds that you are entitled to.

Even though the Assurity cancellation process is simple, keep in mind that you still may have to pay fees when you end your policy.

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What should you consider before canceling Assurity life insurance?

Even though you can cancel Assurity life insurance for any reason, you still might have to pay fees to do so. This will depend on where you live and the type of life insurance you have.

Assurity life insurance includes term and permanent coverage. There are different factors to consider when canceling each of these.

Term life insurance is the cheapest type and has no cash value. Canceling Assurity term life insurance is easy. You can either go through the cancellation process or just stop making your payments and allow coverage to lapse.

If you’ve prepaid for your term coverage, you may be entitled to a refund. However, you can still be charged fees for canceling before your term has ended, depending on the state you live in.

There are other factors to consider when canceling your whole or universal life insurance. Unlike term life insurance, whole and universal is more expensive and has a cash value.

You may receive the cash value of your whole or universal policy (minus any fees) if you cancel your coverage.

According to the Insurance Information Institute, you may be charged surrender fees when you cancel. But, the fees get lower and lower the longer you’ve had your policy.

Like with term life, you can either go through the cancellation process or just stop making your payments.

If you stop making payments, Assurity can use the cash value of your policy to continue paying for your coverage until the amount is exhausted.

If you have Assurity disability insurance, you would cancel that just like regular health insurance.

How to Cancel Assurity: The Bottom Line

You can cancel Assurity life insurance whenever you want, but you might be penalized for doing so. The type of coverage you have and the state you live in will determine if you have to pay any fees for canceling.

You can begin the cancellation process by speaking with customer service or by accessing your account online.

Shop around and compare life insurance companies to find the coverage you need at the cheapest rates.

We hope you’ve learned all you needed to know about how to cancel Assurity life insurance. Enter your ZIP code now to compare life insurance rates from companies near you for free.