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Cancel BENEVA
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Cancellation service #1 in Canada
4.9Calculated on 5.6K reviews
I hereby notify you of my decision to terminate the contract relating to the Beneva 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 period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
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
| Plan | Price | Period | Features |
|---|---|---|---|
| Term‑Plus Life Insurance (500,000 CAD, 20‑year term, non‑smoker) | C$30.60/month (male, age 25); C$22.05/month (female, age 25); up to C$427.05/month (male, age 60) | Monthly | Level term life insurance, renewable, convertible, optional riders available |
| Critical Illness / Health Insurance - Basic Plan (Individual) | C$20/month | Monthly | Coverage for basic illnesses, supplementary benefits optional |
| Critical Illness / Health Insurance - Enhanced Plan (Individual) | C$35/month | Monthly | Broader illness coverage, more reimbursement |
| Critical Illness / Health Insurance - Child Plan (Individual) | C$15/month | Monthly | Child‑specific coverage |
| Car Insurance - Standard driver (35 - 45 y, intermediate vehicle) | C$38/month (liability only); C$67/month (collision + comprehensive); C$81/month (all‑risk) | Monthly | Varied coverage levels |
| Tenant Insurance - comprehensive | C$20/month | Monthly | Protection for tenants’ belongings |
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
| Method | Refund | Difficulty |
|---|---|---|
| Registered mail (written letter) | Depends on contract; request written refund calculation | Low - Medium (recommended; provides proof) |
| Phone call to advisor / customer service | Depends on contract; must obtain written confirmation | Medium - High (reviews report long waits and transfers) |
| Online/account portal | Not publicly documented; may vary by account | Unknown - Varies (public site does not detail online cancellation) |
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.