Refund & Cancellation Policy

Last Updated & Effective Date: January 1, 2026

At Insurance Plan Packages Two we want you to be comfortable with whatever cover you choose. This page explains the practical arrangements, the legal cancellation windows, and the premium refund terms that apply to policies set up through our advisory network.

1. Comparing Cover Is Free

Insurance Plan Packages Two is an independent insurance comparison and advisory service. Having quotes compared for you, having your current policy looked over, or talking things through with a licensed advisor comes at no direct cost. We do not invoice clients for advice.

2. The Carrier Decides Refunds

Since each policy is underwritten and issued by the insurer itself, payment of premiums, your right to cancel, and the way any refund is worked out all follow the wording in your own policy document:

• Free Look Period: Most of the carriers we work with allow 14 to 30 days from the start of cover to reconsider. Cancel in that window with no claim open and you will normally have your entire premium returned.
• Cancelling Mid-Term: After the free look period ends, bringing an active policy to a close usually results in the unused portion of your premium being returned pro-rata, or worked out on the short-rate basis set by your state's insurance rules.
• Where a Claim Exists: If a claim has already been made or paid during the policy year, the refund may be recalculated to match state guidance and the terms in the underwriter's contract.

3. Submitting A Cancellation Or Change

To give notice, ask for a change to your cover, or chase up a refund still in progress, reach our support team:

• By Phone: Call an advisor on +1 234 567 8900 and they will take you through it immediately.
• By Email: Write to us with your policy number and the details of the insured party at [email protected].
• By Post: Send physical correspondence to our head office: 397 E James Lee Blvd Crestview Florida United States.

4. Timing Of Payments

Once the underwriting carrier has approved and completed a cancellation, money normally goes back to the card or account you paid from within 7 to 14 business days, subject to your bank's own processing times.

5. Support When You Need It

Questions about a charge, an instalment schedule, or where a refund has got to? Our support team is around during normal working hours: Mon - Fri: 8:00 AM - 7:00 PM CST | Sat: 9:00 AM - 2:00 PM CST. We are always glad to help.