The Calculations below will show UNEARNED (return premium) factors. The default will display short rate factor for a one year policy which is 90% of pro rata factor.  Please keep in mind that H.T. Bailey Insurance Group has provided this service as is, with no warranties or promise of proper function.

Date of Cancellation: // MONTH/DAY/YEAR    (example: 2/23/10) 
Term in Months:  
Effective Date: // MONTH/DAY/YEAR   (example: 6/13/10)  
Expiration Date: // MONTH/DAY/YEAR    (example: 6/13/11) 
Days in Effect  
Remaining Days  
Factor Method:
Earned Factor:

No Commas Please!
Unearned Factor:
Premium: $ After you enter the PREMIUM just hit the TAB key to calculate the Earned & Return Premiums
Earned Premium: $
Return Premium: $