> ## Documentation Index
> Fetch the complete documentation index at: https://docs.insurestack.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Plan Changes

> Understanding upgrades, downgrades, and cancellations

## Overview

You can change your subscription plan at any time. Upgrades take effect immediately, while downgrades take effect at the end of your current billing period.

<CardGroup cols={2}>
  <Card title="Upgrades" icon="arrow-up" color="green" href="#upgrades">
    Take effect immediately with instant credit allocation
  </Card>

  <Card title="Downgrades & Cancellations" icon="arrow-down" color="yellow" href="#downgrades-cancellations">
    Take effect at end of current billing period
  </Card>
</CardGroup>

***

## Upgrades

### How Upgrades Work

When you upgrade your plan:

* **Take effect:** **Immediately** upon payment confirmation
* **Credits:** You receive your new plan's full monthly allocation right away
* **Previous credits:** Previous monthly plan credits don't carry forward
* **Purchased credits:** Remain available and stack with your new plan credits
* **Billing:** Starts immediately at the new monthly rate
* **Billing cycle:** Resets to start from the upgrade date

### Example: Upgrading from Plus to Pro

**Current situation:**

* You're on Plus (40 credits/month = 10 free + 30 Plus)
* Today is the 15th of the month
* You've used 25 credits, have 15 remaining
* You upgrade to Pro on the 15th

**What happens immediately:**

* Your 15 remaining Plus credits are forfeit
* You immediately get **360 Pro credits** (10 free + 350 Pro)
* Your billing cycle resets to the 15th of each month
* You're charged **200 dollars** today, then 200 dollars on the 15th of every month
* Any purchased credits you had remain available

<Tip>
  **Timing tip:** Upgrade early in your billing period to maximize value. If you upgrade at the end of your period, you'll forfeit most of your existing credits.
</Tip>

### How to Upgrade

<Steps>
  <Step title="Go to Settings → Billing">
    Navigate to the Billing page.
  </Step>

  <Step title="Click 'Upgrade' on desired plan">
    Select Plus, Pro, Team, or contact us for Enterprise.
  </Step>

  <Step title="Complete payment">
    Enter payment information via Stripe.
  </Step>

  <Step title="Start using new credits">
    Your new credit allocation is available immediately.
  </Step>
</Steps>

***

## Downgrades & Cancellations

### How Downgrades Work

When you downgrade your plan or cancel:

* **Take effect:** At the **end of your current billing period**
* **Credits:** You keep your current plan's credits until the billing period ends
* **Purchased credits:** Remain available - they don't expire with the downgrade
* **Billing:** You continue to have access until the end of the paid period
* **Next period:** New (lower) plan starts with reduced credits

### Example: Downgrading from Pro to Plus

**Current situation:**

* You're on Pro (360 credits/month)
* Today is January 15th
* Your billing period ends January 31st
* You have 200 credits remaining
* You downgrade to Plus on January 15th

**What happens:**

* You keep your 200 Pro credits through January 31st
* You're not charged again for Pro
* On February 1st, you drop to Plus (40 credits/month)
* You're charged \$20 on February 1st, then monthly
* Any purchased credits you bought earlier remain available

<Note>
  Downgrades don't take effect immediately. You retain access to your current plan until the end of your billing period.
</Note>

### How to Downgrade

<Steps>
  <Step title="Go to Settings → Billing">
    Navigate to the Billing page.
  </Step>

  <Step title="Click 'Change Plan'">
    Select the plan you want to downgrade to.
  </Step>

  <Step title="Confirm downgrade">
    Acknowledge that the change takes effect at the end of your current period.
  </Step>

  <Step title="Continue using current plan">
    You'll keep your current plan until the billing period ends.
  </Step>
</Steps>

***

## Cancellations

### How Cancellations Work

Canceling your subscription works like a downgrade to the free Pay as you Go plan.

* **Take effect:** At the **end of your current billing period**
* **Credits:** You keep your current credits until the period ends
* **Purchased credits:** Remain available for their full 1-year validity
* **Access:** You retain access until the end of the paid period
* **Next period:** You drop to Pay as you Go (10 free credits/month)

### Example: Canceling Pro Plan

**Current situation:**

* You're on Pro (360 credits/month)
* Your billing period ends in 10 days
* You cancel today

**What happens:**

* You keep Pro access for the remaining 10 days
* You keep your remaining credits for 10 days
* On day 11 (next billing period), you drop to Pay as you Go
* You get 10 free credits/month going forward
* Any purchased credits remain valid

<Warning>
  Once you cancel, you won't be charged again. If you want to resume your subscription later, you'll need to upgrade again manually.
</Warning>

### How to Cancel

<Steps>
  <Step title="Go to Settings → Billing">
    Navigate to the Billing page.
  </Step>

  <Step title="Click 'Cancel Subscription'">
    Find the cancellation option at the bottom of the Billing page.
  </Step>

  <Step title="Confirm cancellation">
    Acknowledge that cancellation takes effect at the end of your current period.
  </Step>

  <Step title="Continue using current plan">
    You'll keep your current plan until the billing period ends.
  </Step>
</Steps>

***

## Best Practices

<AccordionGroup>
  <Accordion icon="calendar-check" title="Upgrade early in billing period">
    Maximize value by upgrading early in your billing period. This minimizes forfeited credits.
  </Accordion>

  <Accordion icon="calendar-xmark" title="Downgrade late in billing period">
    If downgrading, do it late in your period after you've used most credits. You'll keep access until period end anyway.
  </Accordion>

  <Accordion icon="cart-shopping" title="Buy purchased credits before downgrading">
    If you know you'll downgrade but might need extra credits in the future, buy them before downgrading. They'll remain available for 1 year.
  </Accordion>

  <Accordion icon="calculator" title="Calculate timing for upgrades">
    Before upgrading, consider: if you're 25 days into a 30-day period with 5 credits left, you'll forfeit those 5 and pay the full month's fee for the new plan. It might be worth waiting 5 days.
  </Accordion>
</AccordionGroup>

***

## Frequently Asked Questions

<AccordionGroup>
  <Accordion icon="circle-question" title="Can I upgrade and immediately downgrade?">
    Yes, but it's not cost-effective. You'll pay the full month for the higher plan even if you downgrade the same day, because downgrades take effect at period end.
  </Accordion>

  <Accordion icon="circle-question" title="What if I change my mind after downgrading?">
    Before the downgrade takes effect (end of billing period), you can cancel the downgrade by upgrading again. After it takes effect, you'll need to upgrade manually.
  </Accordion>

  <Accordion icon="circle-question" title="Do I get a refund if I downgrade mid-month?">
    No. Downgrades take effect at the end of your billing period, so you get the full value of what you paid for. No refunds are issued.
  </Accordion>

  <Accordion icon="circle-question" title="Can I pause my subscription?">
    There's no pause option. You can cancel and return to Pay as you Go (10 free credits/month), then upgrade again when ready.
  </Accordion>

  <Accordion icon="circle-question" title="What happens to my data if I cancel?">
    Your data remains in your account. You can still log in and view it on the Pay as you Go plan, but you'll only have 10 credits/month for new actions.
  </Accordion>
</AccordionGroup>

***

## Next Steps

<CardGroup cols={2}>
  <Card title="View Plans" icon="list" href="/billing/plans">
    Compare subscription plans
  </Card>

  <Card title="Purchase Credits" icon="cart-shopping" href="/billing/purchasing">
    Buy additional credits
  </Card>

  <Card title="Credit Types" icon="layer-group" href="/billing/credit-types">
    Understand credit types and expiration
  </Card>

  <Card title="Billing FAQ" icon="circle-question" href="/billing/faq">
    More billing questions answered
  </Card>
</CardGroup>