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Cancel NATIONAL LIFE
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4.9Calculated on 5.6K reviews
I hereby notify you of my decision to terminate the contract relating to the National 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 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- guarantee the validity of an incorrect or outdated address.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 National Life: Easy Method
What is National Life
National Life (National Life Group / National Life Insurance Company Ltd.) is an insurer that provides life and annuity products and offers online account access via a web portal and mobile apps. It operates insurance services and customer portals that let policyholders view policies, payments, alerts and loan details.
The company offers free mobile apps in app stores for accessing policy information; however, policy terms, payment arrangements and provincial consumer protections determine whether a policy can be changed or refunded.
How to cancel National Life
There are two different actions people commonly call "cancel": deleting an online/app account (removes portal access) and cancelling an insurance policy or stopping premium payments (terminates coverage or payment instructions). Deleting the online account does not automatically cancel the underlying policy or stop payment withdrawals. For annuity versus life-policy customers use the appropriate contact below.
- Step 1 - Check deadlines: confirm whether you are within your province's free‑look period (typically 10 - 30 days). If you are, request cancellation and a full refund immediately.
- Step 2 - Gather documentation: have your policy number, identification and proof of purchase ready.
- Step 3 - Contact customer service by phone at 1‑800‑732‑8939 or by email (Life: LifeCustomerService@nationallife.com; Annuity: service@nationallife.com) to notify them of your intent to cancel and ask for the required written instructions and confirmation procedures.
- Step 4 - Submit a written cancellation request by registered mail (recommended: raccomandata A/R) to the company’s Vermont address (see Address section). Keep the postal receipt and tracking number as proof of delivery.
- Step 5 - Ask for written confirmation that the policy has been cancelled, that payments will stop, and whether a refund will be issued (and on what timeline). Document all communications and retain copies.
What happens when you cancel
If you cancel an online account, you will lose portal and app access but your underlying policy, payment authorizations and coverage generally remain in effect unless you complete a formal policy cancellation. Cancelling a policy ends coverage for the insured and can affect beneficiaries, riders and any policy loans.
Financial effects depend on product type and timing: if you cancel outside a free‑look period you may forfeit premiums or be assessed surrender charges, and automatic withdrawals may continue until they are formally stopped. The insurer will retain policy and payment records as required by law even after cancellation; request written confirmation of what records will be kept and for how long.
Will I get a refund?
National Life’s stated website policy for one entity indicates "No Refund/Return/Cancellation of payment is allowed" for payments collected through the website. That statement suggests the company treats online payments as non‑refundable in some contexts.
However, Canadian law provides a consumer protection: most life insurance policies include a mandatory free‑look period (typically 10 - 30 days, depending on the province). If you cancel within that period you are generally entitled to a full refund. If you are outside the free‑look window, refunds are unlikely and may be subject to surrender charges, administrative offsets or policy terms.
If a company refuses a refund you believe you are entitled to under provincial law, escalate the dispute (see Consumer Rights and After Cancelling sections). Keep dates, copies of the policy and proof of delivery for any written cancellation to support a refund claim.
National Life plans and pricing
| Plan / App | Price | Period | Features |
|---|---|---|---|
| National Life Group App (Canada App Store) | C$0.00 (Free) | One-time download | Access to policies, payments, alerts, loan details |
| National Life Insurance (Nepal) App (Canada App Store) | C$0.00 (Free) | One-time download | Insurance claim status, UI features |
Your consumer rights in Canada
In Canada, life insurance purchasers generally have a statutory free‑look (review) period of about 10 to 30 days after delivery of the policy; during that time you may cancel for a full refund. The exact length depends on provincial rules and the type of policy, so check your policy documents and provincial legislation.
If you encounter refusal or unsatisfactory responses, you may escalate to the OmbudService for Life and Health Insurance (OLHI) for disputes or to your provincial regulator. In Quebec, the Autorité des marchés financiers (AMF) handles insurance complaints. Keep documented evidence of your cancellation request, communications and delivery receipts when filing a complaint.
Customer experiences
Public reviews are mixed. Some customers report a smooth, stress‑free purchase experience and satisfactory long‑term coverage, with helpful agents who eventually responded. Others allege problematic practices: unexpected premium changes, withdrawals before they reviewed or signed final policy documents, delays or refusals of refunds, difficulty obtaining documents after death, unresponsive agents, high surrender fees and lack of accreditation on some consumer platforms.
Because experiences vary, follow recommended documentation and escalation steps and seek regulator assistance if necessary.
Documentation checklist
- Policy number and full policy documents (including delivery date)
- Proof of identity (government ID) and relationship documents for beneficiaries or executors
- Proof of purchase/payment receipts and bank statements showing premium withdrawals
- Copies of emails, letters and call logs with National Life (dates, names, summaries)
- Registered‑mail receipt and tracking number for any written cancellation sent
- If applicable, death certificate and executor documentation
Common mistakes
Many people assume deleting the mobile app or online account cancels the policy; it does not. Others send a casual email or make a phone call and assume the policy and automatic withdrawals have stopped - always get written confirmation. Missing the free‑look deadline is common and can forfeit refund rights. Failing to send a registered, trackable written cancellation or not recording the policy number and delivery date makes disputes harder to resolve.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Delete online account / App removal | No - does not cancel policy or guarantee refund | Easy |
| Phone / email to customer service | Possible if within free‑look; otherwise unlikely without agreement | Moderate |
| Registered mail (raccomandata A/R) written cancellation to Vermont address | Best evidence for refund claim; success depends on timing and policy terms | Moderate - recommended (proof of delivery) |
| App Store / Google Play subscription cancellation | Not applicable - apps are free and no in‑app subscription was found | Easy / Not applicable |
After cancelling
After you submit a cancellation, keep copies of everything and follow up if you do not receive written confirmation within a reasonable time. If financial transactions continue, contact your bank to investigate unauthorized withdrawals and consider stopping pre‑authorized payments. If the insurer refuses a refund you believe you are entitled to under provincial rules, escalate to the OmbudService for Life and Health Insurance: OLHI, or to the Autorité des marchés financiers in Quebec: AMF. For general Canadian financial consumer guidance consult the Financial Consumer Agency of Canada: FCAC. Also retain legal advice if a large sum or estate matter is involved.
Address
Send written cancellation by registered mail to:
National Life Group
1 National Life Drive
Montpelier, VT 05604