Non-payment cancellation notice

How do we send every non-payment cancellation notice within the state's required period with the prescribed content and proof of mailing, and record the delivery on the policy?

Generate the notice from the rule, not the batch. Callvu classifies each past-due account on the day it becomes past due (the line, the state, the policy's terms, the lienholder or mortgagee, the insured's delivery election and the prior notices), generates the notice with the content the state prescribes (the amount, the cancellation date and time, the reason, the reinstatement path) and a payment link, sends it by the method the state recognizes with the proof of mailing or electronic delivery captured, sends the lienholder its notice on its own clock, writes each notice with its date, method and proof to the policy system and billing, and stops the cancellation the moment a payment posts.

In scopeSimpleCallvu moves: classify, write back

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Last updated November 7, 2026.

The problem today

The notice was mailed nine days before cancellation in a ten-day state, and the claim after the cancellation date was paid in full.

Today, without Callvu

Billing runs a weekly notice batch. An account becomes past due on a Thursday; the notice goes out the following Wednesday with the cancellation date already printed. The state requires ten days' notice; the mailing was nine. A loss occurs after the printed date. The cancellation was ineffective, the policy was in force, and the claim is paid on a policy the insurer thought it had cancelled.

Each state sets the advance notice for cancellation for non-payment (ten days is common, longer in some states and lines), the content (the specific reason, the effective date and time, the amount to cure, the right to reinstate), the method (first-class mail with proof of mailing, certified mail in some states, electronic delivery only with the insured's consent), and the separate notice to lienholders and mortgagees. The effective date is counted from the mailing, so the proof of mailing is the evidence.

A notice is only as good as its date and its proof.

How it runs

From the requestto the system of record.

A billing account becomes past due (a missed installment or a returned payment). Callvu classifies the account and opens the notice on the policy.

Policyholder: Receives the notice with a payment link and can cure before the cancellation date.
Billing: Holds the account, the notice record and the cancellation in the billing system.
Callvu: Classifies, generates, sends with proof, notifies the lienholder, records and stops the cancellation on payment.

Classify the account
The line, the state, the policy's cancellation terms, the reason (a missed installment or a returned payment), the lienholder or mortgagee on the policy, the insured's electronic delivery consent, any pending payment and the prior notice history classify the requirements: the advance period, the content, the delivery method and the lienholder's notice.
Generate the notice
The notice is generated with the prescribed content: the specific reason, the amount to cure, the cancellation effective date and time computed from the mailing date plus the state's period, the reinstatement path, the contacts, and a link to the secure payment process; the lienholder's notice is generated with its own period and content.
Send with proof
The notice is sent by the method the state recognizes for the line (first-class mail with a proof of mailing certificate, certified mail where required, electronic delivery where the insured consented), the proof of mailing or the electronic delivery record is captured, and a notice that cannot be sent on the day (an address defect) is escalated with the clock visible.
Write back and watch
Each notice with its date, method, proof and the computed effective date is written to the policy system and the billing system; a payment that posts before the effective date stops the cancellation by rule and the rescission is recorded; an unpaid account cancels on the effective date through the cancellation process with the refund of any unearned premium.

Where it ends: Every past-due account received a notice with the state's content and period, with proof of mailing on the record, and the cancellation date is the one the law makes effective. The Decision Trace shows the classification and the computed date; the Audit Trace shows the generation, the mailing proof and the write. The Callvu moves in this process are classify and write back.

Runtime enforcement

What is enforcedwhile the work runs.

The regulations preloaded in Callvu Studio and the bank's own policies, applied as steps that run, not lines in a binder. A step that breaks a rule does not run, so a completed run was compliant.

Regulations

State notice of cancellation rules for non-payment (for example New York Insurance Law 3425(c) and 3426(c), California Insurance Code 662 and 663 and 677, Texas Insurance Code 551.104 and 551.105, Florida Statutes 627.728 and 627.4133): Cancellation for non-payment of premium requires advance written notice to the named insured of at least the state's period (ten days in New York and California for personal lines, ten days in Texas, ten days in Florida for non-payment), stating the specific reason and the effective date, mailed to the address of record with a proof of mailing retained, or delivered electronically only with the insured's consent under the state's electronic delivery law; a notice short of the period or lacking the content is ineffective and the policy continues.
Lienholder and mortgagee notice requirements (the standard mortgage clause and state statutes): A lienholder or mortgagee named on the policy is entitled to its own written notice of cancellation for non-payment within the clause's or the statute's period (commonly ten to thirty days), so the lender can pay or protect its interest.
State electronic delivery laws (UETA and the state insurance electronic delivery statutes): A notice of cancellation may be delivered electronically only where the insured has affirmatively consented in the manner the statute requires, with the ability to withdraw consent and a record of delivery; otherwise it goes by mail.

Company policies

The notice is generated the day the account becomes past due; the effective date is computed from the mailing date and the state's period, never printed from a batch calendar.
The content is the state's prescribed content, generated from the rule.
Proof of mailing or electronic delivery is captured on every notice.
The policy system and the billing system are the systems of record for the notice and the cancellation.

Controls

Day-of classification.
Notice generation with prescribed content and computed effective date.
Delivery by the recognized method with proof captured.
Lienholder notice on its own clock.
Writes to the policy and billing systems.
Automatic stop on payment before the effective date.

Clocks and deadlines

Advance notice period: The state's period for the line (commonly ten days for non-payment), counted from the mailing date.
Lienholder notice: The clause's or the statute's period before the effective date.
Address defect escalation: The same day, with the clock visible.

Documents and checks

The classification with the state's requirements
The notice as generated
The proof of mailing or electronic delivery record
The lienholder notice and its proof
The policy and billing records, and any rescission on payment

In the Decision Trace

The classification and the computed effective date.
The delivery method chosen and why.

In the Audit Trace

The generation with time.
The mailing or delivery proof with time.
The write, and the stop on payment.

The handoff

Between the front doorand the back office.

The front door

The notice itself, with a payment link; the policyholder can cure from it in any channel.

The back office

Billing sees only address defects and disputes; the notice runs by rule.

The Decision Desk

An address defect, a returned notice, or a disputed effective date goes to the billing lead in the Decision Desk with the notice record and only re-send with a recomputed date, hold, or confirm.

Proof

In scope.Proof at scale, not one process at a time.

The kind of process Callvu runs in production for customers in this industry. Ask for a reference on this exact process. The results below are the industry's published proof; each claim code links to its record on agents.callvu.com.

Phoenix put more than 100 processes live in under 3 months.

Across Callvu customers

More than 1,000 processes are live across Callvu customers.

Across Callvu customers

Questions

What buyers ask next,answered plainly.

How is the cancellation date set?

From the mailing date plus the state's advance period for the line, computed by the rule the day the account becomes past due, never printed from a batch calendar.

What proof is kept?

The proof of mailing certificate or the electronic delivery record for each notice, on the policy, because the effective date depends on it.

Can the notice go by email?

Only where the insured consented to electronic delivery in the way the state's statute requires; otherwise by mail.

Related processes

Payment, lapse and reinstatement Policy cancellation request Premium payment by phone or link Premium refund request Try it in the sandbox All insurance processes

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