During the first 30 days of your coverage, you are fully covered and can adjust your coverage amount and term length, or cancel for a full refund. After this period, you can decrease your coverage amount anytime during your term. If you need to increase your coverage or change your term length, you may need to re-apply. Our team will help you cancel your current policy and activate the new one. Or, you can choose to keep both policies existing side by side.