[Your Name] [Your Address] [City, State, Zip] [Date] [Defendant's Name] [Defendant's Address] [City, State, Zip] RE: Repayment of Unearned Premiums — Insurance Policy No. [Policy Number] Dear [Defendant's Name], I hope this letter finds you well. I am writing to inform you about the unearned premiums refund due under your insurance policy [Policy Number] with [Insurance Company Name]. As per our records, you have prematurely cancelled the insurance policy, and are therefore entitled to receive a refund for the unexpired portion of the premium. Unearned premiums, also known as short rates, represent the portion of the premium paid in advance for the coverage period beyond the policy's cancellation date. In accordance with Kansas insurance regulations, unearned premiums must be returned to the insured in a fair and timely manner. The purpose of this letter is to request your immediate cooperation in the reimbursement process. I kindly request that you respond promptly regarding your intentions to provide the repayment of the unearned premiums. The refund amount is calculated using the short-rate cancellation method approved by the Kansas Insurance Department. If you fail to respond or make the agreed-upon refund within [time period specified by law or policy terms], we may be forced to pursue legal action to recover the unearned premiums owed. It is important to note that additional fees and costs associated with such legal action may be added to the amount sought. To facilitate the reimbursement process, kindly provide the following information within [timeframe specified]: 1. Proof of premium payment, such as a copy of the payment receipt, bank statement, or canceled check. 2. Date of cancellation of the insurance policy [Policy Number]. 3. The exact amount of unearned premiums owed. 4. A confirmation of the address where the refund should be sent (if different from the defendant's address mentioned above). Once we receive the requested information, we will verify the amounts and process the refund within [timeframe specified by law or policy terms]. It is crucial that you promptly comply to avoid any unnecessary legal action. Should you have any questions, concerns, or need any further assistance regarding this matter, please do not hesitate to contact me at [Your Phone Number] or [Your Email Address]. I am readily available to help you resolve this issue promptly and amicably. Thank you for your immediate attention to this matter. We look forward to receiving the requested information and your cooperation in facilitating the repayment process. Sincerely, [Your Name] [Your Title/Organization] [Contact Information]