Colonial American Insurance offers supplemental health benefits like life, accident, disability, cancer, critical illness, dental, and vision insurance. If you’re an employee, you can enroll in these benefits in person, online, or over the phone, and manage your policies, file claims, and update billing info through their online portal. If you’re a plan administrator, you can handle employee changes, update invoices, and pay bills all online. Basically, they make managing your insurance and billing easy and straightforward through their online tools and support.
Difficulty
12345
678910
Easy
Medium
Very Hard
The process of canceling a Colonial American Insurance subscription involves contacting customer service and possibly filling out forms. It is straightforward but requires direct interaction, some paperwork, and understanding policy-specific conditions and potential fees, which can add mild complexity.
Estimated Time
On average, it takes
15 minutes
00
00
minutes to cancel a Colonial American Insurance subscription.
How to Cancel Colonial American Insurance: Step by Step
If you purchased through Colonial Life:
- Visit the Colonial Life website at coloniallife.com.
- Log in to your account using your credentials.
- Navigate to the Subscription Settings section of your account.
- Review your subscription details to confirm the plan you wish to cancel.
- Initiate Cancellation by clicking on the relevant option for canceling the subscription.
- Provide feedback if prompted (this step is optional).
- Confirm Cancellation when asked to finalize the process.
- Verify Cancellation by checking your account for a confirmation message or email.
Tips & Tricks for Canceling Colonial American Insurance
- Find the customer service number on your ID card or policy documents and call directly.
- Be persistent and prepared for the cancellation process to be difficult or purposely prolonged.
- Clearly state your intention to cancel from the start of the call.
- Ask for any required forms or documentation to officialize your cancellation.
- Inquire about any fees, penalties, or waiting periods associated with cancellation.
- Request confirmation of your cancellation in writing (email or letter) for your records.
- Timing your cancellation near the end of your billing cycle can help avoid extra charges.
- Document all interactions including names, dates, and what was discussed in case escalation is needed.
- If the first representative is unhelpful, escalate to a supervisor or manager.
- Consider sending a written cancellation request via certified mail if phone attempts fail.
- Check for the possibility of any refunds for unused coverage and request them if applicable.
- Consider reaching out through multiple channels like phone, email, and the company website.
- Explore alternative insurance options before cancelling to ensure coverage continuity.
Colonial American Insurance Customer Service Info
If you need assistance, here's how you can get in touch with Colonial American Insurance's support team.
Cancel Colonial American Insurance Script
Script
Copy
Dear Colonial American Insurance Team,
I hope this message finds you well. I am writing to request the cancellation of my insurance subscription. After careful consideration, I've decided to simplify my financial commitments, and unfortunately, I can no longer maintain my current policy with you.
I appreciate the service I've received thus far and hope to revisit my options in the future once my situation changes.
Thank you for your assistance with this matter.
Best regards,
Frequently Asked Questions
Colonial American Insurance requires the policy or membership owner’s signature to process cancellation requests, which can include full policy cancellation or rider-specific cancellations such as spouse or dependent coverage. Refunds on cancellations are handled by returning premiums paid minus any loans, loan interest, and withdrawals; specific refund details may vary depending on circumstances such as suicide clauses and accelerated death benefits. This policy information is derived from Colonial American Insurance official documents related to policy management and coverage outlines.
To cancel your subscription with Colonial American Insurance (coloniallife.com), you generally need to log into your account using your password. If you haven't logged in yet, the cancellation process requires access to your account dashboard, which means having your login credentials. If you forgot your password, you can reset it at this link: https://www.coloniallife.com/account/forgot-password. Alternatively, you can contact customer support for assistance at 800-325-4368, but typically the account password is needed for self-service cancellation.
- Difficulty and delays in claim payments, including long review times and repeated requests for redundant information.
- Perception of low or denied claim payouts, leading to dissatisfaction with the value received.
- Difficulty in canceling policies, with some customers forced to wait months or until open enrollment to cancel.
- Increasing costs after initial term periods without returning benefits, with customers feeling misled by agents.
- Poor customer service, including issues with payment processing, rude or dismissive communication, and lack of manager responsiveness.
- Continued billing after cancellation attempts, including monthly charges despite requests to stop payments.
- Misleading or unclear disclosures about coverage, with some plans being membership or discount cards rather than true insurance.
- Refund issues after canceling within the allowed window, with difficulties receiving money back.
- Repeated aggressive follow-up calls demanding cancellation confirmation even after attempts to cancel.
- Basic services and prescriptions promised but not covered or costing more than expected.
- Change in personal needs or finding better solutions leading to cancellation.
Colonial American Insurance typically allows you to cancel your policy at any time, but the specifics depend on your individual policy terms. There may be waiting periods or conditions to be aware of, and cancellation could incur fees or penalties depending on your policy. Also, refunds for any unused premiums vary by policy—some offer refunds, others do not. It’s important to carefully review your policy documents or contact the company directly to understand any lock-ins, contracts, or early cancellation fees that might apply.
Before cancelling your Colonial American Insurance subscription, know that your coverage may be affected depending on whether your employer is deducting premiums or not. If your employer stops deductions, you might be able to maintain coverage by submitting a Request for Service Form to switch to individual payments. During leaves of absence, continuation of coverage depends on your policy and employer actions; if the leave exceeds three months without employer premium payments, you will need to take actions to keep coverage. Additionally, cancellation means losing access to your insurance benefits and protections, so it is important to consider the implications and contact Colonial Life Customer Support for guidance prior to cancelling.
- Insured’s name (as listed on the policy/certificate)
- Date of birth (DOB)
- Social Security Number (SSN)
- Address (City, State, ZIP)
- Telephone number and mobile number
- Email address
- Policy/certificate numbers for all policies to be cancelled (required to process)
- Employer name (if applicable)
- Specific request (e.g., cancellation or surrender of policy/certificate, or riders)
- Owner’s signature and date (required for processing)
- Assignee’s signature (if any, for assigned policies)
We've actually written a step by step guide on how to get a refund from Colonial American Insurance. Check it out!
The Easiest Way to Cancel Colonial American Insurance
If you’re frustrated trying to cancel your subscription, membership, or bill from Colonial American Insurance—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
What Are Some Alternatives to Colonial American Insurance?
Colonial American Insurance, Colonial Life Insurance, Colonial Life & Accident Insurance, Colonial Life Payments, Colonial Life Premium, Colonial Life Billing, Colonial Life Insurance Co, Colonial Life Policy Charge, Colonial Life Premium Payment, Colonial Life Recurring Charge
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
