Cooling Oﬀ Period: If for any reason you choose to discontinue this policy, you may pause it 30 days from when it started – this is called a cooling oﬀ period. As long as you have not made a claim, we will deduct the cost of any medical tests and other costs that we may have incurred and then make a refund of your contribution.
Policy Cancellation: After the 30 day cooling oﬀ period, you or the company may decide to permanently cancel the contract. This must be stated by giving 30 days advance notiﬁcation in writing. The Company may decide to cancel the Policy if: - You misrepresent important facts - You provide false, inaccurate or incomplete information - Your claim is fraudulent If this happens, you do not get any cash back.