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The correct requirement for ending Owen's policy for non-payment is a written notice at least 10 days before cancellation. Insurance companies are typically required to adhere to specific guidelines and state regulations when cancelling a policy, especially for non-payment. The written notice serves to inform the insured party of the impending cancellation and provides them with a clear timeframe to remedy the situation, such as making a payment or disputing the cancellation.

In this case, the other options do not fulfill the legal requirements. A simple phone call may not provide sufficient documentation or legal notice. A meeting might be helpful for discussion, but it does not meet the formal notification requirements. Similarly, a certified letter with only 5 days notice does not meet the standard notice period that ensures the policyholder is adequately informed. Therefore, the appropriate action is to send a written notice that complies with state regulations, providing at least 10 days for the insured to address the non-payment issue.