In my case I had flights booked to Australia in August. Since it is unlikely that I would be able to travel I called Alaska to cancel. Miles credited back to my account, taxes to my credit card and booking fee to my credit card. Miles were instantly credited and credit card refund took maybe 3 or 4 days. I did request a refund of the booking fee.
Sorry I can't help with the seat fee on FI or the insurance questions but I would contact FI and Allianz prior to cancelling.