It's been almost a year since I had my life insurance, which I didn't intentionally buy. I was just caught by an agent inside a mall. My insurance is cocolife, I don't know if anyone here had experienced it. After few days of getting the insurance I decided to cancel it but it was passed the cooling off period so I was advised to continue it because I wouldn't still get my money. I agreed but not I badly want to cancel it since i don't need it at all and it is just a hassle for me to pay every three months. My question is, is there any way I could refund my money even though my money hasn't have a cash value yet? Thanks.