Agents can be slow at times because they don't want to lose a commission that comes with the sale of a policy.... so you may have to go over or around the agent.  If you think you are due funds back, call the corporate office of the company that is providing the coverage... skip the middle guy.  Also, follow-up by filing a complaint with your state's insurance board.  Apparently, you were duping into accepting a term... that ended up not being the term that you bargained for.  Before you file the complaint, however, pull all of your documentation together so that you can clearly lay out your complaint and prove it at the same time.  It will make the process go much smoother.