Lead type
Mid-term cancellation leads
A mid-term cancellation is a policy that ends before its scheduled renewal — most often for non-payment. Unlike a renewal, there is no incumbent agent defending the account; the incumbent is the one leaving. These are the highest-intent trucking insurance leads.
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.
Most don't refile right away
Roughly 92% of carriers whose coverage lapses have no replacement policy on file for weeks. They cannot legally haul until someone writes them, which makes mid-term cancellations the strongest lead in the category.
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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 date coverage ends. It's the most urgent kind of X-date because the carrier didn't choose it and has no incumbent agent protecting the account.