Servicio de cancelación n°1 en Canada
Número de contrato:
A la atención de:
Departamento de Cancelaciones – Manulife
P.O. Box 670 STN Waterloo
N2J 4B8 Waterloo
Asunto: Cancelación de contrato – Notificación por correo electrónico certificado
Estimados señores,
Por la presente les notifico mi decisión de dar por terminado el contrato número relativo al servicio Manulife. Esta notificación constituye una voluntad firme, clara e inequívoca de cancelar el contrato, con efecto en la primera fecha posible o de conformidad con el plazo contractual aplicable.
Les ruego que adopten todas las medidas necesarias para:
– cesar toda facturación a partir de la fecha efectiva de cancelación;
– confirmarme por escrito la correcta recepción de la presente solicitud;
– y, en su caso, enviarme el estado final o la confirmación del saldo.
Esta cancelación se les envía por correo electrónico certificado. El envío, el sello de tiempo y la integridad del contenido están establecidos, lo que lo convierte en una prueba equivalente que cumple con los requisitos de la prueba electrónica. Por lo tanto, disponen de todos los elementos necesarios para procesar esta cancelación correctamente, de conformidad con los principios aplicables en materia de notificación escrita y libertad contractual.
De conformidad con la Ley General para la Defensa de los Consumidores y la normativa de protección de datos, también les solicito que:
– eliminen todos mis datos personales no necesarios para sus obligaciones legales o contables;
– cierren toda cuenta personal asociada;
– y me confirmen la eliminación efectiva de los datos de acuerdo con los derechos aplicables en materia de protección de la privacidad.
Conservo una copia íntegra de esta notificación así como la prueba de envío.
Atentamente,
11/01/2026
Cancellation Manulife: Easy Method
What is Manulife
Manulife is a major Canadian financial services company that offers personal insurance (life, health, dental, disability, critical illness and related products), group plans, banking and wellness programs such as Manulife Vitality. Policies are sold directly and through advisors and brokers across Canada.
The following guide explains how to cancel Manulife products in Canada, what to expect about refunds and timelines, and practical steps to protect yourself during the process.
How to cancel Manulife
- Determine which contract you have (for example: Health & Dental, Term Life, Critical Illness, Disability Income, Business Overhead Expense, Manulife Vitality or an app subscription) so you follow the correct process and timeframe.
- For most individual insurance policies (Health & Dental, Term Life, Major Accident, Critical Illness, Child Life): prepare a written, signed cancellation request and include the original Policy or Certificate of Insurance; send by registered mail to ensure proof of delivery. You must cancel within the 30‑day free‑look period from receipt to receive a full refund (see notes below).
- For certain products (Disability Income, Business Overhead Expense, some Health/Dental variants): send a signed cancellation request with the policy/certificate and meet the shorter free‑look period (often 10 days) specified in your contract.
- For Manulife Vitality membership: contact Manulife Vitality customer service by phone or email to stop membership benefits. Vitality premiums are not refundable.
- For mobile app subscriptions (if applicable): cancel via the platform you used to subscribe (Apple App Store, Google Play or the web portal where purchase was made); Manulife does not centrally cancel platform-managed subscriptions for you.
- Keep copies of everything you send, send by tracked/registered mail (raccomandata A/R) and note the date the insurer receives your cancellation.
What happens when you cancel
When Manulife receives a valid, written and signed cancellation that complies with the applicable free‑look period and policy requirements, coverage generally ends on the payment due date after receipt of the cancellation. If a cancellation is outside the free‑look period the insurer’s contractual terms determine effective dates and any refunds. Vitality benefits stop when membership is cancelled but core health and dental coverage will continue or end per the insurance policy terms.
Following cancellation, Manulife will process any applicable refund or adjustment and may request repayment if claims paid exceed premiums collected. Manulife will retain records per regulatory and internal retention policies; you should request confirmation of cancellation and keep proofs of mailing and receipt.
Will I get a refund?
Most new individual policies include a “free‑look” period allowing cancellation for a full refund of premiums (subject to any claims paid) if cancelled within the stated period: commonly 30 days for many health, dental and life products, and sometimes 10 days for some product types such as certain disability or business overhead plans. A full refund ordinarily means the insurer returns premiums paid minus any claims already paid on the policy; if claims exceed premiums, you may be required to repay the excess.
Exceptions: Manulife Vitality membership premiums are non‑refundable. For app or platform subscriptions refunds are handled by the app store or platform where you subscribed and are subject to their policies. Processing times and exact entitlements follow the policy wording and any applicable provincial insurance rules.
Manulife plans and pricing
| Plan | Price | Period | Features |
|---|---|---|---|
| Manulife One Unlimited Daily Banking fee | C$16.95 / month (C$9.95 for seniors 60+) | Monthly | Unlimited daily banking transactions; waived if end‑of‑month balance ≥ C$5,000 |
| Manulife Vitality with Health & Dental (Vitality charge) | C$5.00 / month | Monthly | Access to Vitality rewards with health & dental insurance; potential up to 10% insurance premium savings |
| Manulife Vitality Plus (standalone with life insurance) | C$6.00 / month (or C$72 annually) | Monthly or Annual | Vitality rewards, discounts on insurance costs, ability to earn device rewards and gift cards |
Your consumer rights in Canada
Canadian consumers generally have a contractual free‑look right allowing cancellation shortly after receipt of a new policy: typically 30 days for many insurance products and sometimes only 10 days for specific product types. During that period you can cancel for a full premium refund less any claims paid. Insurers must follow the terms in your policy contract; you must usually provide a written and signed request and return the policy or certificate of insurance.
If claims paid exceed premiums, you are normally obliged to repay the excess. For platform subscriptions (App Store / Google Play) cancellation and refund rights are governed by the platform’s rules, not Manulife’s central portal. If you believe a refund or cancellation was handled improperly you can raise the matter with Manulife customer service, your advisor, and - if unresolved - your provincial insurance regulator or consumer protection office.
Customer experiences
Public reviews are mixed. Several reviewers and industry summaries note reliable claim payouts, a broad product range and a professional advisor network. However, others report service problems: long hold times, delayed or disputed claims, difficulties getting clear answers on refunds or cancellations, and occasional problems with the web and mobile portals. App subscription cancellation and recurring charges have been reported as especially frustrating by some users.
When cancelling, expect to document your request and allow time for processing; persistence and keeping records can help if follow‑up is required.
Documentation checklist
- Signed written cancellation request (dated)
- Original Policy or Certificate of Insurance (or clear reference/policy number)
- Government ID (photo ID) and contact information
- Banking details or instruction for refund (if required)
- Proof of registered/tracked mailing and confirmation of receipt
- Copies of any claims paid or correspondence related to outstanding claims
Common mistakes
Common errors include sending an unsigned or incomplete cancellation request, failing to return the policy or certificate when required, missing the applicable free‑look window (30 or 10 days depending on product), and assuming Vitality or platform subscriptions are refundable through the insurer. Another frequent mistake is attempting to cancel an app subscription through Manulife when the subscription must be cancelled through the App Store or Google Play - the platform’s refund policies then apply. Always use tracked or registered mail and keep copies to avoid disputes about receipt dates.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Mail written & signed notification with Policy/Certificate returned (Health & Dental, Term Life, Major Accident, Critical Illness, Child Life) | Full refund if within 30 days (minus claims paid); otherwise refund per contract | Low - Medium (requires correct documentation and proof of receipt) |
| Send signed cancellation request + policy/certificate (Disability Income, Business Overhead Expense, some Health/Dental) | Refund possible if within 10 days; otherwise per policy terms | Medium (shorter deadline and stricter terms) |
| Contact customer service (Manulife Vitality membership) | No refund for Vitality premiums | Low (simple to contact) - but no monetary refund |
| Cancel via App Store / Google Play / web (mobile app subscription) | Platform dependent; refunds handled by store | High (users report recurring charges and difficulty obtaining refunds) |
After cancelling
After you submit your cancellation, request and save written confirmation from Manulife showing the effective cancellation date and any refund or repayment amounts. Watch your bank or credit card statements for any remaining or recurring charges and follow up promptly if you see unexpected activity. If you have ongoing healthcare needs, consult your advisor or broker about replacement coverage before the cancellation date to avoid gaps.
For product‑specific support and documents consult Manulife’s customer resources: the insurer’s insurance FAQ pages and the Vitality support pages. For platform subscription issues use the Apple App Store or Google Play support channels.
Helpful links: Manulife insurance FAQs, Manulife Vitality support, Apple Support (App Store), Google Play Help.
Address
Individual Insurance - Manulife Financial, P.O. Box 670 STN Waterloo, Waterloo, ON N2J 4B8, Canada