Supplementals and Applications

Date of Cancellation: // MONTH/DAY/YEAR    (example: 3/8/2013)
Term in Months:  
Effective Date: // MONTH/DAY/YEAR    (example: 6/4/2012)
Expiration Date: // MONTH/DAY/YEAR    (example: 6/4/2013)
Days in Effect
Remaining Days
Factor Method:
Earned Factor:

Unearned Factor:
Premium: $ CLICK HERE when the PREMIUM has been
entered  to calculate the Earned/Return Premiums
Earned Premium: $
Return Premium: $  

Please keep in mind that John D. Ellzey, Jr. CIC has provided this calculator as a service to his clients. The calculation should be reviewed carefully with your agent or company for accuracy.

Short Rate Calculator

When a policy is cancelled mid policy year the company will calculate the refund due the client using a short rate calculation (check your policy, not all policies have this clause). The calculations below will show unearned (return premium) factors. The default will display short rate factor for a one year policy which is 90% of pro rata factor.

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