(Name and Address of Institution, Retailer, or Company)
Re: (Name and Address, Account #, & Insurance Policy #)
Dear (Name of Insurance Company):
As a result of the payment in full of the above account, the credit insurance policy or certificate issued in conjunction with this account is cancelled. You are obligated, by law, to pay to the insured any refund of unearned premiums within 45 days of receipt of this notice of cancellation.
W. Va. Code R. agency 114, tit. 114, ser. 114-06, app B