Cancellation service N°1 in Canada
Contract number:
To the attention of:
Cancellation Department – Great-West Life
P.O. Box 3050
R3C 3A5 Winnipeg
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Great-West Life 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
Cancellation Great-West Life: Easy Method
What is Great-West Life
Great-West Life (now operating under Canada Life branding in many contexts) is a long-established Canadian life insurance and group benefits provider offering individual and group insurance products, retirement and investment solutions, and annuity payouts. It serves employers, plan members and individual clients across Canada through a network of product lines and customer service channels.
How to cancel Great-West Life
- Prepare a written cancellation notice that includes your full name, policy or plan number, date of birth, contact information, the effective date you want the cancellation to take place, and a brief statement requesting cancellation. Sign and date the letter.
- Send the signed notice by mail. The recommended address for written notices is: P.O. Box 3050, Winnipeg, MB R3C 3A5, Canada. Where possible send by registered mail or another trackable method and keep the tracking/receipt for your records.
- Keep a dated copy of everything you send. If you have an employer-sponsored (group) plan, also notify your employer or plan administrator that you have submitted a cancellation request and ask them to confirm any employer-side steps.
- After mailing, allow time for processing, then follow up by phone or the customer contact channel listed on your policy documents to request written confirmation that the policy has been cancelled.
What happens when you cancel
When your cancellation is processed, access to benefits and coverage under that specific policy or plan will generally end on the effective cancellation date. For group plans, termination timing and any continuation rights (for example, conversion to an individual policy) may depend on the plan contract and employer arrangements. Records related to your policy will be retained according to the insurer’s record-keeping practices and applicable privacy laws; you can request copies of documents or confirmation of cancellation in writing.
Will I get a refund?
There is no publicly documented general refund policy (for example, a 14‑day statutory right to cancel and receive a refund) for Great-West Life in the sources reviewed. Refund eligibility typically depends on the specific product, the terms of your policy or contract, whether premiums were prepaid, and any applicable look‑back or cancellation provisions in that agreement. Exceptions may exist for recent purchases, misrepresentation, duplicate coverage, or contractual cooling-off terms where they apply, but these are not publicly documented for Great‑West Life. If you believe you are owed a refund, request it in writing when you submit the cancellation and keep records of your request; escalate to the insurer’s complaints channel or an external review body if you do not receive a satisfactory response.
Great-West Life plans and pricing
| Plan | Price | Period | Features |
|---|---|---|---|
| Registered annuity (10‑year guarantee) - Male, age 65 | C$556.66 per month | Monthly | Based on a C$100,000 premium, 10‑year guarantee, registered annuity |
| Registered annuity (10‑year guarantee) - Female, age 65 | C$519.89 per month | Monthly | Based on a C$100,000 premium, 10‑year guarantee, registered annuity |
| Registered annuity (10‑year guarantee) - Joint life, age 65 | C$481.12 per month | Monthly | Based on a C$100,000 premium, 10‑year guarantee, registered annuity |
Your consumer rights in Canada
Consumer rights for insurance and financial products in Canada depend on the type of product and the provincial/territorial regulatory regime. There is no single federal “14‑day refund” rule that automatically applies to all insurance products; instead, rights are governed by the contract you signed, the insurer’s policies, and applicable provincial insurance or consumer protection laws. If you have a dispute with an insurer or a claim denial, you can raise the issue through the insurer’s internal complaints process and, if unresolved, contact relevant external bodies such as your provincial insurance regulator or an independent dispute-resolution service like the OmbudService for Life & Health Insurance (OLHI). For general financial consumer guidance, the Financial Consumer Agency of Canada (FCAC) provides resources and information on rights and recourse options.
Customer experiences
Public reviews and complaint-tracking sites show a mix of experiences. Some customers report that individual issues were eventually resolved through customer support, while a larger number of reviews describe slow claim processing, repeated requests for paperwork, denials or delays of claims, difficulties transferring funds, and frustration with customer service channels. Users on community forums have also reported login or portal issues after system changes. Sources for these reports include consumer-review platforms and forum posts; for example, some reviewers on Trustpilot and other sites have raised complaints about service and claims handling (Trustpilot), and other consumer sites describe long claim timelines and paperwork requests (InsurEye). There are occasional reports where support resolved the issue for a dissatisfied customer (PissedConsumer).
Documentation checklist
- Policy or plan number and the exact policyholder name
- Photocopy of government-issued ID (driver’s licence, passport)
- Your contact information (address, phone, email)
- Employer and plan administrator details for group coverage (if applicable)
- Signed, dated cancellation letter stating the desired effective date
- Copies of any supporting documents (receipts, premium payment records, claim correspondence)
- Proof of mailing/tracking number or registered mail receipt
Common mistakes
Common errors include failing to include the policy number or full legal name on the cancellation request, not signing the written notice, assuming cancellations made by phone are sufficient without written confirmation, and sending non-trackable mail that leaves you without proof of delivery. For employer-sponsored plans, another frequent mistake is not informing the employer or plan administrator, which can delay or complicate the termination. Also, expecting an automatic refund without checking your policy terms can lead to disappointment - always request refund details in writing and keep copies of communications.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Written notice by mail (registered/tracked) to P.O. Box 3050, Winnipeg, MB R3C 3A5 | Not publicly documented; request refund in writing - eligibility depends on policy terms | Low to moderate (recommended, trackable) |
| Phone contact with customer service | Not publicly documented; may require follow-up in writing to confirm refund eligibility | Moderate (useful for follow-up but not a substitute for written notice) |
| Online or app cancellation (App Store / Google Play / insurer website) | No publicly documented policy for cancelling via app stores or online - refund position unclear | High or unsupported (not publicly documented as available) |
After cancelling
After cancellation, retain copies of your cancellation letter, proof of delivery, any written confirmation from the insurer, and any correspondence about refunds or outstanding claims. If you do not receive confirmation within a reasonable timeframe, follow up with the insurer’s customer service and use your tracking receipt to demonstrate delivery. If your issue remains unresolved, escalate through the insurer’s formal complaints process and consider contacting independent dispute-resolution services or your provincial regulator for guidance.
Helpful resources:
Canada Life / Great‑West Life main site
OmbudService for Life & Health Insurance (OLHI)
Financial Consumer Agency of Canada (FCAC)
Address
P.O. Box 3050, Winnipeg, MB R3C 3A5, Canada