Cancellation Beneva: Easy Method

What is Beneva

Beneva is a Canadian insurance and financial services company offering life, health/critical illness, auto, home and group insurance products across the country. It resulted from a merger of several mutual insurers and provides individual and group coverage through advisors and direct customer channels.

How to cancel Beneva

Because Beneva’s public site does not publish a standard online cancellation flow or a universal 14‑day withdrawal policy, cancellations are handled per contract or by speaking with a representative. The most reliable method is a written cancellation sent by registered mail; you can also contact an advisor or customer service by phone to start the request and request written confirmation. Below are practical steps to cancel.

• Gather your policy number, contract documents and any recent billing or claim information.
• Write a clear cancellation letter stating your name, policy number, desired cancellation date, reason (optional) and a request for written confirmation of effective cancellation and any refund. Sign and date the letter.
• Send the letter by registered mail with acknowledgement of receipt to: CP 17100 succ Terminus, Québec QC G1K 9E2. Keep copies of the letter and postal receipt.
• Follow up by phone to the appropriate Beneva customer service line (examples: 1‑877‑841‑8822 for life & health; 1‑855‑747‑7712 for auto/home) and ask for a reference number. Request written/email confirmation of cancellation and any refund calculation.
• Cancel any pre‑authorized payments only after you have written confirmation of the cancellation date to avoid gaps or fees.

What happens when you cancel

When your cancellation is processed, your coverage ends on the effective cancellation date specified by Beneva or in your contract. After that date, you will no longer have access to insurance benefits under that policy and renewals will stop. Access to any online policy portal tied to the cancelled contract may be removed or limited.

Beneva will retain and process personal information according to its privacy policy and legal retention requirements; requests for deletion or portability will be handled subject to applicable privacy law and contractual obligations. If you have active claims at the time of cancellation, ask Beneva how those claims are affected - some claims may continue to be assessed even if future coverage is cancelled.

Will I get a refund?

The public Beneva site does not publish a general refund or 14‑day cancellation policy. Whether you are entitled to a refund (for example a prorated premium) depends on the terms of your individual contract and applicable provincial insurance rules. In practice, refunds can be prorated, may be subject to administrative fees, or could be offset by an outstanding claim - details vary by policy.

To determine any refund amount, request a written refund calculation from Beneva when you submit your cancellation. Keep a copy of the statement showing the effective cancellation date and any refund or charge applied.

Beneva plans and pricing

Your consumer rights in Canada

Beneva’s public materials do not set out a universal consumer withdrawal right or refund policy; those matters are typically governed by the terms of your contract and by provincial law. Insurance cancellation, refunds and dispute resolution are regulated at the provincial level (for example, the Autorité des marchés financiers in Quebec oversees insurance matters in Quebec).

If you believe your cancellation or refund rights are not being respected, consult your contract and contact Beneva in writing. You can also contact your provincial insurance regulator or consumer protection office to clarify applicable rights and file a complaint if necessary.

Customer experiences

Public reviews show a mix of positive and negative experiences. Some customers praise Beneva’s life and critical‑illness policies and report good claim service in major events. Other customers report difficulties contacting customer service, long wait times, transferred or dropped calls, errors in web or app systems, inconsistent pricing increases, claim handling frustrations and, in one reported case, a privacy lapse exposing another customer’s information.

Given these mixed reports, document all communications and insist on written confirmation for cancellations and refunds to avoid disputes.

Documentation checklist

• Policy number(s) and contract documents
• Government ID (name and address verification)
• Recent bill or proof of payment
• Written cancellation letter (signed and dated)
• Bank details for any refund (if applicable)
• Proof of registered mail dispatch and acknowledgement of receipt
• Any claim numbers or recent correspondence related to claims

Common mistakes

Customers often make avoidable errors such as failing to include the policy number or signature in the cancellation letter, not keeping proof of mailing, or cancelling pre‑authorized payments before receiving written confirmation - this can cause unintended lapses or unpaid balances. Others rely solely on a verbal phone confirmation and later find there is no written record. Assume refund amounts are not automatic; always request a written refund calculation and confirmation of the effective cancellation date.

Comparative recap

After cancelling

After cancellation, keep copies of your cancellation letter, postal receipts and any written confirmation from Beneva. Monitor your bank account for any refunded premiums or unexpected charges. If you need replacement coverage (for auto, home or health), arrange it before the effective cancellation date to avoid gaps.

For contact and follow‑up, use Beneva’s official channels and keep a file of every communication. Helpful links: Beneva - Contact us, Autorité des marchés financiers (AMF) - Quebec regulator, and a place to view public feedback: Beneva reviews on Trustpilot.

Address

Send written cancellation by registered mail to: CP 17100 succ Terminus, Québec QC G1K 9E2.