<prompt> Human: So around nine months ago I quit my warehouse job and started selling Aflac to get my foot in the door of the insurance industry. It worked, I now have a salaried position in claims with another company after not making any money with Aflac for four months. But I just got a letter in the mail from them today saying I owe 216.53 in premium advance chargebacks due to a policy I wrote going no-pay after I stopped selling. Its accruing interest at half a percentage point a month. Is there anything I can do to fight this? The policy that defaulted isnt even one that actually should have been in my name, my district manager had me sign it but it was his business - at the time I thought he was doing me a solid because I needed some income but in retrospect it seems like he knew this guy wasnt going to keep up on his payments and didnt want to foot the eventual chargeback. I know Im probably in the wrong here because I never officially terminated my contract, I just got another job at a better company and forgot about sucking Aflacs duck for my resume but now it feels like they called me and told me to get tested. What can I do? Or am I out of luck? Its not the biggest charge in the world but Im moving and 200 is really something Id rather not spend right now.  <response>: This is called unearned premium in the insurance industry. If someone signs up for a year policy the insurance company will pay the producer as if they paid that policy in full and didnt cancel it. So if the customer fails to make a payment or cancels the policy the producer has to pay the difference back to the insurance company. For most producers they do not have to actually pay back anything as the company just takes it out of their commissions. However since you didnt sell very many policies youll have to pay it back. As far as I know its the standard practice. 