Can I be dropped from life insurance for no reason without premiums returned? 
Since you have had the policy since 2011 you are well beyond the incontestability period . It must be one of the following : You purchase term insurance and the term has run out . -LRB- possible but unlikely since you should have a renewal option -RRB- . You purchased a Universal Life policy and it was underfunded -LRB- this may be the most likely reason -RRB- . A Universal life policy has flexible premiums and some agents , in order to make a sale , have set the premium too low without telling the client . Most agents are honest , but unfortunately every industry has bad apples . If you do not pay enough into a Universal Life Policy , the policy will cancel out . The only other thing it could be is failure to pay the premium within the grace period , usually 30 days . I agree with Rich , you need to take all of the information to a good professional independent life insurance agent and have him review what went on in your case . A life insurance company can not cancel you for no reason . 