cancellation Metlife: Easy Method

What is Metlife

Overview

MetLife is a global insurance and employee benefits company that offers life, health, accident, and investment-linked products. It provides individual and group solutions tailored to personal and corporate needs.

MetLife in the UAE

MetLife operates in the Gulf region and serves customers in the United Arab Emirates through local distribution partners and its Gulf customer service centre. Policies follow UAE regulatory requirements.

How to cancel Metlife

Online via myMetLife portal

• Log in to your myMetLife account.
• Open the “I want to…” dropdown, select “Request Policy Change”, then choose “Policy Cancellation Request”.
• For policies with surrender value choose “Full Surrender Request”.
• For policies without surrender value you may stop premium payments and allow the policy to lapse.
• Cancel any auto-debit instruction separately with your bank or MetLife if applicable.

Email and distributor channels

• Send a cancellation request from your registered email, attaching a valid ID copy and the policy contract to [email protected].
• If the policy was sold through a bank or distributor (e.g., Citi), contact that distributor to confirm their cancellation process and refund rules.
• For Citi-distributed products (Salary Protect / Family Protection): cancel within the 30-day free-look for a full refund; after that termination is allowed but typically no refund.

What happens when you cancel

Policy status and coverage

Coverage ends from the cancellation effective date specified by MetLife or on lapse if premiums stop and the policy has no surrender value. Claims submitted after termination are unlikely to be accepted.

Data, payments and auto-debit

MetLife will process termination and any eligible refunds; you should cancel auto-debit mandates separately with your bank. Keep copies of all communications and confirmations.

Will I get a refund?

Free-look period refunds

• Policyholders have a 30-calendar-day free-look from the Policy Effective Date to cancel and receive a refund, subject to plan terms.
• Non-unit-linked plans: full premium refund if no claim has been paid.
• Unit-linked plans: premium refunded without interest and may be reduced by investment losses; no refund if a claim was paid.

Other refund rules and exceptions

• Citi-distributed Salary Protect / Family Protection: refund if cancelled within 30 days; after 30 days there is generally no refund because these plans have no cash value.
• Term-life and many pure protection plans: typically no surrender value and no refund after the free-look period.
• If VAT was charged on premiums, both premium and VAT will be refunded when applicable; if VAT was not charged initially, no VAT refund applies.

Metlife plans and pricing

Plan overview

MetLife offers a mix of protection, investment-linked, and group/employee benefit plans in the UAE. Specific benefits and terms vary by product and distribution channel.

Pricing information

Pricing depends on product type, age, coverage amount, medical underwriting and distribution channel. Contact MetLife for a personalised quote.

Your consumer rights in United Arab Emirates

Free-look, refunds and grace periods

Policyholders have a 30-calendar-day free-look to cancel and claim a refund subject to plan terms and any claims paid. A typical premium grace period is 30 days; some life/investment solutions may allow up to 90 days.

Complaints and recourse

If cancellation or refund issues persist, you can escalate complaints to the UAE Insurance Authority’s Customer Happiness Center. Retain all correspondence and policy documents when filing a complaint.

Customer experiences

Positive feedback

Customers report professional and clear service in some cases; specific representatives (for example Ms. Laila Mohammed) have been praised for helpful communication on health policies.

Negative feedback

Other customers report poor service, refund delays, or disputes over product disclosures and investment performance. Complaints include allegations of misleading sale practices and unresolved refund issues.

Documentation checklist

Required documents

• Cancellation request sent from the registered policy email address.
• Valid government-issued ID (copy) of the policyholder.
• Policy contract or policy number and any proof of payment.

Optional / supporting documents

• Bank statements showing premium debits (if contesting automatic deductions).
• Any written communication with the agent, distributor or MetLife about the sale or cancellation.
• Medical reports or claim details if relevant to refund eligibility.

Common mistakes

Not cancelling auto-debit

Many customers forget to cancel bank auto-debit instructions after requesting policy cancellation. This can result in further premiums being withdrawn and complicate refund claims.

Misunderstanding surrender value and free-look

Some policyholders assume all policies have cash value. Term and protection-only plans often have zero surrender value after the free-look. Always confirm surrender value before relying on refunds.

Comparative recap

At-a-glance comparison

After cancelling

Next steps

Keep written confirmation of cancellation and any refund details. Check your bank statements to confirm any refunded premiums and VAT if applicable.

Useful links and contacts

Official MetLife site: https://www.metlife.com/.

UAE Insurance Authority (for complaints): https://www.ia.gov.ae/en.

Address

Mailing address

P.O. Box 371916 Dubai - U.A.E.

Customer service email

Send cancellation requests from your registered email with ID and policy contract to: [email protected].