There are no fees if you were to cancel your disability insurance policy at any time. This is a positive, if you no longer require your coverage, but it is crucial to give proper consideration before cancelling. If you are still working, you are leaving yourself in a high-risk situation, if you were to become ill or injured. Once you have a disability, it can also become more difficult to get coverage in the future, with premiums already increasing as you age. If your policy has a “Return of Premium” rider, you may receive a refund for a portion of your premiums if you cancel the coverage, as long as the qualifying period has been met. Our team of experienced, licensed professionals at Hometown are here to help you understand the specifics of your policy and the options you have, before making your decision. Once you have all of the relevant information, you will be able to make the best decision for the protection and security of you and your family.