If you got a check in the mail from your insurance company but they didn't owe you any money is it yours to cash?

I work for an insurance company and the first thing i would do would be call them don't mention the cheque but just enquire the status of you policy as they may have cancelled it and that's you refund. It your policy is ok then it could just be that the insurers premium was less that original quoted or due to the new FSA requirements they have been holding on to some money that now they have to refund. think its very poor that they did not tell you why very bad customer service.