Lead type
Mid-term cancellation leads
A mid-term cancellation is a policy scheduled to end before its renewal — most often for non-payment. Most notices are resolved with the current insurer. About 1 in 3 we deliver ends with a new insurer or no insurance at all, and that third is the sale.
Why mid-term cancellations happen
Policies get cancelled mid-term for non-payment, after losses, or because the insurer is exiting a state or class of business. The public record distinguishes genuine cancellations from replacements — a true pending cancellation is an unsolved problem with a deadline.
How they resolve
About 79% of cancellation notices already have a replacement on file by the day they appear; we remove those. Of notices still open when we send them, roughly 70% are resolved with the current insurer, about 12% move to a new insurer and about 18% end with no insurance. 91% are still unresolved 14 days after the notice, and switches cluster around the cancellation date, so call before that date and again near it.
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Frequently asked questions
Is a mid-term cancellation the same as an X-date?
A mid-term cancellation produces a cancellation X-date — the scheduled cancellation date: coverage ends then unless the notice is withdrawn or replaced. The carrier didn't choose it, and about 1 in 3 still open when we send them end with a new insurer or no insurance at all.