they charge my sears credit card for insurance i don't want or need and can't afford , they refuse to give my money back .
it's manulife , and i hate insurance companies
Can you explain how they got the application and your credit card number? Can you explain why you didn't cancel within the free look period?
You can cancel at any time, but unless they illegally sold you the policy they won't refund money for services rendered.
Talk to the credit card company first. If the company has acted unfairly they will wring a refund out of them.
Cancel the insurance!!!
How long ago?