Support - Client Services

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– Step 1 of 5

What would you like to do?

Multiple Choice *

Update Billing Information
File a Claim
Access my Policy Documents
Cancel my Policy

Important Note regarding your Policy Documents

If you recently enrolled, please allow 3-4 weeks for your welcome packet to arrive. Your packet includes official policy documents, health savings card, and important documents for your will and beneficiaries.

Link Your Account

Fill in your information so our system can link your request.

Name *

First

Last

Email *

Phone *

Policy Number (Optional)

If you know your policy number, please provide it.

Please select the primary reason for cancelling: *

Too expensive
Already have coverage
My spouse/friend talked me out of it
Coverage was different than expected

Helpful Tip

It’s normal to feel like coverage costs too much—but once a policy is cancelled, that rate and eligibility are gone for good. Re-applying later usually means higher prices or even being declined altogether if health changes. The low, subsidized rates you locked in were based on your original approval and can’t be replaced. Keeping your current policy guarantees lifelong protection and keeps you grandfathered into a plan you may never qualify for again.

Helpful Tip

Employer coverage might feel secure—but it’s temporary. Most job-based life insurance ends within 30 days of leaving your job, retiring, or even being laid off. If that happens, you lose all protection instantly. Personal coverage is different: it stays with you for life, never depends on your employer, and locks in your insurability before age or health changes make it impossible to qualify again.

Helpful Tip

It’s common for friends or family to second-guess insurance decisions—but they won’t be the ones responsible for the financial burden if something happens to you. Too many families lose coverage they’ll never qualify for again because someone “meant well.” Once canceled, your rate and approval are gone for good, and re-applying later could mean higher costs or a decline altogether. Protecting your loved ones is a personal decision—and this policy ensures they’re never left unprotected.

Helpful Tip

It’s easy to confuse “total coverage” with “face value.” The face value shown on your paperwork is just the guaranteed minimum life-insurance payout, but your total coverage includes all the additional benefits, cash value, and association protections that activate over time. Many members mistake this for an error and cancel valuable lifelong benefits they already qualified for—benefits that can’t be reinstated once cancelled.

Please provide additional information: *

We value your feedback.

IMPORTANT CANCELLATION NOTICE

Before you proceed with canceling your life insurance policy, please be aware of the serious consequences that may follow:

LOSS OF ACCUMULATED CASH VALUE
By canceling, you may forfeit the significant cash value that has grown within your policy over time. This is money you have contributed, and walking away now may mean giving up a valuable financial asset you cannot recover.
LIMITED OR NO FUTURE ENROLLMENT OPPORTUNITIES
Life insurance policies often become more expensive or unavailable as you age or if your health deteriorates. If you cancel now, you may lose your chance to secure affordable coverage in the future. Reapplying could result in higher premiums, stricter terms, or even denial of coverage.
POTENTIAL LOSS OF GOVERNMENT SUBSIDIES
If your policy is part of a program that qualifies for government subsidies, cancellation could result in the loss of these financial benefits. This could leave you without support in the event of an unexpected hardship.
RISK OF UNPROTECTED LOVED ONES
Canceling your life insurance means your loved ones may be left without financial protection in the event of your death. The security you’ve been building for them will disappear, potentially leaving them vulnerable in the future.

Please reconsider before making this irreversible decision. We strongly urge you to review all the benefits and protections you will lose by canceling. If you have any questions or need to explore other options, our team is here to help guide you.

Confirm Your Identity

To process a cancellation request, we require your Date of Birth and the last four digits of your Social Security Number due to the sensitive financial nature of these services. This ensures the security and accuracy of your request.

Date of Birth *

Policyholder date of birth

Last 4 of SSN *

or last 4 of TIN or USCIS

I UNDERSTAND AND WISH TO PROCEED WITH CANCELLATION (SIGN HERE) *

Clear Signature

Update Billing Information

By updating your bank account information, you authorize US Life & Health and its partnered providers to directly debit your account for the current billing amount on your scheduled billing cycle.

Full Name on Bank Account *

As it appears on your bank statements.

Bank Account Type *

Bank Routing Number *

The first set of digits on a check.

Bank Account Number *

The second set of digits on a check.

Cancellation

We’re sorry to see you go. We will send you an automated email with further instructions.

If there is any accumulated cash values, a check will be mailed to your address within 30-days.

If there is a taxable gain on the cash surrender value, the Company will report the gain to the IRS and you will be mailed a 1099-R at the end of next January.

Click Submit to cancel your policy.

Number Date Full

Policy Documents

We will ship a physical copy to your home address. You can expect to receive your policy documents in 3-4 weeks. We cannot send by email or fax.

Click Submit to process this request.