My case is simply I took of a policy with VPI and sometime after that, approx a few months later I cancelled the policy. I moved out of the country. Much to my dismay upon returning I discovered that they had not cancelled and still deducting premiums from my account. Basically I was told that since they dont have my cancellation on file and if I can't show proof then "oh well". Advice: If you cancel, followup, get proof in writing. Don't assume they will get your cancellation and take care of their end.