Understanding the Cooling‑Off Period
Unum, like most insurers, provides a 14‑day cooling‑off period after a policy is issued. During this time you can cancel without penalty, provided you follow the correct procedure.
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Gather the Necessary Information
Locate your policy number, the date the policy was issued, and your personal identification details. Having these ready speeds up the cancellation process.
Choose a Cancellation Method
- Written Request: Send a letter to Unum's customer service address with your policy details and a statement that you wish to cancel.
- Online Form: Log into your Unum account and complete the "Cancel Policy" section if available.
- Phone Call: Call the customer support line (1‑800‑UNUM‑CANCEL) and follow the automated or live instructions.
Submit the Cancellation Request Within 14 Days
All cancellation requests must be received by Unum within 14 calendar days of the policy's effective date. If you miss this window, the policy will remain active and premiums will continue.
Confirm the Cancellation
After submitting, request written confirmation from Unum. Keep a copy of the cancellation receipt or confirmation email for your records.
What Happens to Premiums and Refunds
Unum will stop future premium charges. If you have paid in advance, a prorated refund is issued based on the unused coverage period, minus any administrative fees.
Common Pitfalls to Avoid
- Not sending the request in writing or via a non‑verified channel.
- Failing to include the policy number or personal details.
- Submitting after the 14‑day window has closed.