Cancel & Reinstate
Every cancellation notice sent on time and every reinstatement checked, with each state’s notice rule applied.
Why it matters
Notice periods differ by state, line and reason; a notice mailed a day short can be void, while reinstatement requests sit in a queue as cover gaps grow.
How the solution handles it
Agents read each request or billing alert, apply the state’s notice period and reasons, compute pro-rata or short-rate return premium, check lapse gaps for reinstatement and draft the notice. A policy services lead approves every notice before it goes out.
How a cancellation moves
Five agents read requests, apply notice rules, compute refunds, check reinstatements and draft notices; a policy services lead approves before anything goes out.
What it reads, and what it hands back.
What goes in
- Non-payment alerts from billing
- Insured, broker and lender cancellation requests
- Reinstatement requests and no-loss statements
- State cancellation and notice rules
- Lapsed life policies and revival forms
What comes out
- Dated cancellation notice, ready to mail
- Return premium calculation
- Reinstatement decision pack
- Notice log for audit
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
non-payment, many states
Sources: e.g. Cal. Ins. Code §662, 215 ILCS 5/143.15 (10 days for non-payment; longer for other reasons) · “Target” = design goal, measured in the live solution · “Typical” = typical industry figure · “Estimated” = our estimate
5 specialist agents. One person decides.
More in this division.
Every mid-term change request read, checked, rated and drafted the same day, each field traced to the request.
Cash ApplicationEvery premium payment matched to the right policy and instalment, and suspense cleared in a day.
Commission ReconEvery commission statement reconciled line by line to premium paid, with each difference explained.
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for your team.
We’ll show Cancel & Reinstate running on your own documents.