Cancellation service N°1 in Australia
Contract number:
To the attention of:
Cancellation Department – Metlife
2001 Sydney
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Metlife service. This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual notice period.
I kindly request that you take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper receipt of this request;
– and, where applicable, send me the final statement or balance confirmation.
This cancellation is sent to you by certified email. The sending, timestamping and integrity of the content are established, making it equivalent proof meeting the requirements of electronic evidence. You therefore have all the necessary elements to process this cancellation properly, in accordance with the applicable principles regarding written notification and contractual freedom.
In accordance with the Consumer Rights Act 2015 and data protection regulations, I also request that you:
– delete all my personal data not necessary for your legal or accounting obligations;
– close any associated personal account;
– and confirm to me the effective deletion of data in accordance with applicable rights regarding privacy protection.
I retain a complete copy of this notification as well as proof of sending.
Yours sincerely,
16/01/2026
How to Cancel Metlife: Complete Guide
What is Metlife
Metlife is a global insurance company that offers personal and group insurance products to individuals and employer groups, including life cover, income protection, trauma, and total and permanent disablement (TPD). Metlife markets adviser-distributed retail life insurance and insurance inside superannuation, and it highlights claims paid and adviser support as part of its Australian offering. This means customers may hold Metlife cover either directly via an adviser or through a super fund, and policy features vary by distribution channel and product type.
Customer experiences with cancellation and service
What users report
Online reviews for Metlife show a mixed picture across product lines. Pet insurance reviewers often praise fast claims and helpful support, while life, dental and income protection reviews include complaints about slow claim processing, billing disputes and difficult service interactions. These reports come from third-party review platforms and user forums, and they reflect differences by product and channel.
Recurring issues and practical takeaways
Common themes drawn from user feedback include delays in claim payments, confusion about policy start dates and waiting periods, and frustration with administration when customers change or end cover. Some reviewers describe billing continuing after they believed cover ended, or long waits for promised refunds. Other reviewers emphasise smooth claims for pet cover and clear adviser support for retail life products. These patterns point to the importance of careful record keeping and checking your Product Disclosure Statement (PDS) and policy schedule for the exact terms that apply to your cover.
How cancellations typically work for Metlife
Metlife offers a range of life insurance products with differing distribution models and policy terms, so cancellation outcomes depend on whether your policy is retail adviser-distributed or inside superannuation. The PDS and policy schedule set the operative terms, including any cooling-off period, waiting periods and whether premiums are annual, monthly or fortnightly.
Metlife states that if you cancel during the cooling-off period you will generally receive a full premium refund provided no claim has been made. If you cancel after the cooling-off period, refund eligibility is typically limited to any premiums paid in advance (for example, annual premiums), subject to the policy terms. This distinction is an important determinant of whether you will receive money back when cover ends.
Expect billing cycles and premium types to influence final charges. For annual billing, cancellation after the cooling-off period will often lead to a calculation of unused time and a potential pro rata refund, but the policy may apply fees or commission adjustments. For stepped or age-based premiums commonly used in life cover, ongoing premium amounts can change at review dates and may affect final reconciliations.
Cooling-off period and refund rules for Metlife
Many life insurers in this market operate a cooling-off period; independent listings show Metlife products commonly reference a roughly 30-day cooling-off window as part of their retail life offerings, though the precise period is stated in the PDS for each product. Therefore, always check your PDS for the exact cooling-off duration and the date the cooling-off period begins.
If you cancel within any applicable cooling-off period and you have not made a claim, the policy wording typically obliges Metlife to refund premiums in full. If cancelling later, refund or proration rules depend on premium frequency and whether premiums were paid in advance. Metlife’s FAQs note refunds for premiums paid in advance may apply outside the cooling-off period.
Documentation checklist
- Policy documents: Product Disclosure Statement, policy schedule and any endorsements.
- Proof of payment: records showing premium dates, amounts and payment method.
- Policy number: the specific identifier for the policy and insured person.
- Key dates: policy start date, any renewal or review dates, and date of first premium.
- Correspondence log: short dated notes summarising interactions, reference numbers and promised actions.
- Claim history: details of any claims or notices made while the policy was active.
Common pitfalls and mistakes to avoid
- 1. Assuming a refund will always be automatic - check the PDS for refund rules and whether premiums were paid in advance.
- 2. Missing the cooling-off period window - the PDS sets this period and its start date, and it can vary by product.
- 3. Overlooking distribution channel differences - cover inside super or arranged via an adviser can follow different administrative pathways.
- 4. Failing to reconcile final billing - final statements can include fees, commission adjustments or premium reconciliations in specific scenarios.
- 5. Not keeping proof of your cancellation request and payment history - records are essential if a dispute arises.
What to expect about proration, fees and timing
Whether you receive a pro rata refund often depends on the policy terms and how the premium was collected. Metlife documentation and industry practice show that annual premiums paid in advance are the most common situation where a partial refund is possible after the cooling-off period. For monthly or fortnightly premiums, there is typically less or no pro rata refund, depending on the PDS.
Administration and refund timing can vary. User reports on review sites identify both quick reimbursements and lengthy waits for refunds; this variability reinforces the value of retaining evidence of payments and of following up promptly if a refund does not appear within the timeframe indicated in policy material.
Disputes, chargebacks and regulator escalation
If you cannot resolve a billing or refund dispute through the insurer’s internal processes, Australian regulators provide escalation paths. ASIC guidance on life insurance complaints explains the typical steps a consumer should follow before going external, and AFCA provides an independent dispute resolution service for unresolved complaints against financial firms. These bodies can consider whether procedures have been followed and can require remedial steps in many cases.
Practical points when preparing an escalation: maintain all documentary evidence, note dates and promised actions, and check time limits for lodging an external dispute. AFCA and ASIC guidance pages explain what to include and the scope of matters they can consider. Be aware that external schemes can have processing delays, so act promptly.
How cancellations affect different Metlife products
Life cover: cancellation decisions affect lump-sum death, terminal illness and TPD rights; cooling-off and premium refund rules are product-specific and described in the PDS.
Income protection: benefits are subject to waiting periods and benefit periods, so cancelling cover while receiving or expecting a claim can have major financial implications. Check how payout timing and ongoing premium obligations interact with any cancellation.
Trauma and TPD: these lump-sum covers have their own exclusion and survival clauses; cancellation will generally end future entitlement but not affect valid historical claims already lodged and accepted. Always confirm the policy wording before making changes.
Pet and dental products (where offered): reviews for pet insurance highlight quick claim reimbursements for many customers, while dental product reviews show more mixed experiences. If you hold Metlife-branded pet or dental cover, check the product schedule for waiting periods, annual benefit limits and the refund approach on cancellation.
| Product | Typical cover | Premium payment | Pricing (A$) |
|---|---|---|---|
| Life cover | Lump-sum death and terminal illness | Fortnightly, monthly or annual | Varies (see PDS) |
| Income protection | Monthly income replacement after waiting period | Fortnightly, monthly or annual | Varies |
| Trauma | Lump-sum on major illness | Monthly or annual | Varies |
| TPD | Lump-sum for total permanent disablement | Monthly or annual | Varies |
| Pet insurance | Veterinary treatment reimbursements | Monthly | Varies |
| Dental (where available) | Preventive and restorative dental cover | Monthly | Varies |
| Feature | Metlife | What to check |
|---|---|---|
| Distribution | Adviser and inside super | Whether cover is held via adviser, super or direct |
| Cooling-off | Typically referenced; PDS applies | Exact days and start date in PDS |
| Refunds | Full refund during cooling-off; pro rata possible for prepaid premiums | Check premium frequency and any fees |
| Claims record | Public reviews show mixed claim experiences by product | Review claim wait times and exclusions in PDS |
Practical steps to reduce risk before you cancel
Review your PDS and policy schedule to identify cooling-off start date, premium frequency and any special conditions that influence refunds or reinstatement rights. Keep a clear list of the financial impact of losing the cover, especially if the policy is inside super.
Check whether any claims are pending or likely. If you or your dependants may require benefits soon, cancelling might foreclose those options; wait until claims are resolved or you understand the financial trade-offs.
Address
- Address: GPO Box 3319 Sydney NSW 2001 Australia
What to do if a refund or final bill is incorrect
Dispute the calculation with the insurer using your policy documents as the basis for your position. Maintain a concise evidence bundle: payment records, the policy schedule, and dated notes of any conversations or correspondence. If internal processes do not resolve the matter, consider lodging a complaint with an external dispute resolution body that handles financial services complaints.
What to do after cancelling Metlife
After your policy ends, check your bank statements and any confirmation documents to ensure there are no unexpected charges and that any agreed refunds are processed. Reassess your gaps in cover and whether you need replacement insurance through another provider or via your superannuation.
If you rely on group cover through an employer or super fund, confirm the effective dates of any replacement cover and how waiting periods or exclusions will apply. As a next step, compare the replacement product features, pricing and any medical underwriting implications before you commit.
Keep all documentation for at least the period stated in the PDS and for any time limits that apply to disputes. This is evidence you can use later if a refund is delayed or an error appears on your account.