In the event of the death of the insured of an individual sickness and accident or medicare supplement policy, the insurer, upon receipt of a request for a pro rata refund by a party legally entitled to claim such a refund, shall refund the unearned premium prorated to the month of the insured’s death if the request has been made within one year after the insured’s death. The refund of the premium and termination of the coverage shall be without prejudice to any claim originating prior to the date of the insured’s death.