Questions & answers · Dental insurance
What does The Guardian Life Insurance Company of America's dental insurance policy say about cancelling and getting a refund?
AI-drafted from filed documents · reviewed: pendingcancellation and refundsThe Guardian Life Insurance Company of America
Under The Guardian Life Insurance Company of America’s filed form for Pennsylvania (PA), if a policyholder decides not to keep the coverage, they can cancel it and get a refund [1]. If the cancellation request is sent within [10 days] of receiving the policy, the full amount of premium paid will be refunded, minus any benefits already paid [1]. Under The Guardian Life Insurance Company of America’s filed form for New Mexico (NM), if a policyholder decides not to keep the coverage, they can cancel it and get a refund [2][3]. If the cancellation request is sent within [30 days] of receiving the policy, the full amount of premium paid will be refunded, minus any benefits already paid [2][3]. The number of days for the refund window differs by state and contract, as shown by the bracketed values [10 days] and [30 days] in the respective state forms [1][2][3]. This does not appear in these excerpts — check the full policy.
Information only — not legal advice. The insurer decides.
These answers quote forms insurers filed with state regulators. Your own policy, its endorsements and your state’s rules control. A filed form may not be the version sold to you.
Where this comes from (3)
[1] The Guardian Life Insurance Company of America · PA · SERFF GARD-132821461 · form DG7-P-PA · p. 1 · 3 · Harris Oliner
Michael Prestileo Senior Vice President & Corporate Secretary Vice President ]5 Dividends apportioned annually, if payable. This Is A Limited Policy – Read It Carefully Read this policy carefully. If you decide that you don’t want this coverage, you can cancel it and get a refund. If you send us a request to cancel your coverage within 10 days of the date you receive it, we’ll refund the full amount of premium paid. We’ll deduct any benefits already paid from the refund. This policy is conditionally renewable. See the Things we can do section for more information.
[2] The Guardian Life Insurance Company of America · NM · SERFF GARD-133144933 · form 1[ PXXX.XXXX ] · p. 1 · 8 · Harris Oliner
Michael Prestileo Senior Vice President & Corporate Secretary Vice President ] Dividends apportioned annually, if payable. Your right to return: Read this policy carefully. If You don’t want this policy, You can cancel it and get a refund. If You send Us a request within 30 days of the date You receive it, We’ll refund the full amount of premium paid. We’ll deduct any benefits already paid from the refund. GP-1-DEN-21-NM 1[ XXXXXXXX/00000.0/TXXXXX ] 1[ Page 2 ]
[3] The Guardian Life Insurance Company of America · NM · SERFF GARD-133144933 · form GC-WSCH-DEN-PPO-21-NM · p. 1 · 5 · Harris Oliner
Michael Prestileo Senior Vice President & Corporate Secretary Vice President] Your right to return: Read this Certificate carefully. If You’re paying part or all the premium and decide that You don’t want this coverage, You can cancel it and get a refund. If You send Us a request to cancel Your coverage within 30 days of the date You receive it, We’ll refund the full amount of premium paid. We’ll deduct any benefits already paid from the refund. 1[ XXXXXXXX/00000.0/TXXXXX ] 1[ Page 2 ] 1[ BXXX.XXXX ]
Drafted by a local AI model from the excerpts above, then checked by rules (citations, no rankings, no “not covered” claims from a partial excerpt). Question id Q0cec126b. Spotted an error? Tell us.