Abstract: Systems and techniques for combined insurance packages to address consumer concerns that mortgage insurance is difficult to cancel are described. A system and method according to one aspect of the present invention receives notification that a mortgage insurance policy is to be canceled, automatically inquires if a customer has obtained an appraisal as part of the cancellation process, and provides for customer reimbursement up to a predetermined limit where it has been. Such appraisal reimbursement may be combined with any appropriate type of mortgage insurance, and may be marketed in conjunction with the marketing and insurance packages including a combination of mortgage insurance and one or more other insurance components.