cancellation date

$meta_query = array(
	'relation' => 'OR',
	array(
		'key'     => 'insurance_cancellation_date',
		'value'   => 'date('Y-m-d')',
		'compare' => '<=',
	),
	array(
		'key'     => 'insurance_cancellation_date',
		'value'   => 'value',
		'compare' => 'NOT EXISTS',
	),
);