Cancellation service #1 in Canada
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Primerica 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.
Cancellation Primerica: Easy Method
What is Primerica
Primerica is a financial services company that offers term life insurance, pre-licensing education and business tools for representatives, and subscription services (Primerica Online) to support independent business activities. In Canada it also markets products such as legal assistance subscriptions and provides training tied to obtaining insurance licensing.
The company operates through representative recruitment and ongoing subscriptions and fees that fund training, licensing and online tools; products and customer experiences vary by province and by whether you are a client, employee, or a recruited representative.
How to cancel Primerica
- Primerica Online (POL) subscription: Sign in to My Account and go to Service Selection to switch to the free level or cancel POL; alternatively call 1-888-737-2255 or email POL_Billing@Primerica.com. Cancellation takes effect on the next billing date.
- Independent Business Application (IBA) / background-check fee: If seeking a refund for IBA-related fees, email us.iba.refunds@primerica.com. Refund requests for IBA must be made within the 30-day window described by company policy.
- POL first-month fee refund: If you are requesting a refund for the POL first-month fee, call 1-888-737-2255 and ensure the request is made within 30 days of Rep ID issuance; this refund is handled separately from any IBA refund request.
- Life insurance policy cancellation: Contact Client Services at 1-800-257-4725 or send a signed written cancellation request (see Documentation checklist and Address section). You may also stop pre-authorized premium payments through your bank, which will cause the policy to lapse if premiums are not paid.
What happens when you cancel
For subscriptions such as Primerica Online, cancellation normally becomes effective on the next billing date; you will lose access to subscription tools and services at that time. For one-time application fees the business relationship around licensing and training ends, but administrative records remain with the company.
For life insurance policies, cancellation or stopping premium payments will typically cause the policy to lapse. Past premium payments for term life policies generally are not returned because term policies do not accrue cash value; any specific refund entitlement depends on the product’s free-look or statutory cancellation rules and the timing of your request.
Keep copies of any cancellation confirmations, emails, and date-stamped letters; monitor bank and card statements to verify that recurring charges have stopped and follow up promptly if charges continue.
Will I get a refund?
Refund availability is limited and conditional. The Primerica Online (POL) first-month fee (reported approximate amount C$103.95) may be refundable if you request it within 30 days of Rep ID issuance. The IBA/background-check fee (reported approx. C$99) may also be refundable if claimed within the company's 30-day window by emailing us.iba.refunds@primerica.com. These two refund requests are handled separately and both must meet their timing requirements.
Term life insurance premiums are generally non-refundable once paid because term policies do not build cash value; any refund or return of premium would be governed by specific policy provisions (such as a statutory free-look period) or by explicit company refund policies. Cancellation generally does not produce retroactive refunds of past premiums.
Primerica plans and pricing
| Plan | Price | Period | Features |
|---|---|---|---|
| Independent Business Application (IBA) - initial fee | C$103.95 | One-time | Covers cost of pre-licensing education, training, and insurance license |
| Primerica Online (POL) - Full Service subscription | C$28.00 | Monthly | Access to business tools, training, and intranet support |
| Primerica Legal Protection Program (Pre-Paid Legal Services) | C$26.00 (+ one-time enrollment fee C$10) | Monthly | Legal consultation, will preparation, estate settlement, small claims assistance |
Prices are drawn from reported company materials and may be inclusive of applicable taxes where noted; promotional variations (lower IBA fee offers) can occur. For the most current rates consult your account or Primerica public disclosures.
Your consumer rights in Canada
Provincial and federal consumer protection laws apply in Canada. In Quebec, educational services such as LLQP courses are covered by statutory cancellation rights under the Consumer Protection Act, which can override contractual terms to the contrary. Elsewhere in Canada, specific refund and cancellation rights depend on the product and applicable provincial rules; some contexts provide a statutory right-to-cancel or free-look period (commonly 10 days for some insurance products), and other protections may allow a 30-day cancellation window in specific consumer transactions.
If you believe a statutory right applies to your situation, state that right in writing in your cancellation request and keep a copy. For formal disputes, you can consult provincial consumer protection offices or consider filing a complaint with the appropriate regulatory body for insurance in your province.
Customer experiences
Reported experiences with Primerica in Canada are mixed. Positive comments note that some clients appreciate straightforward term life insurance coverage and basic financial guidance, and some representatives report good working flexibility and support from local managers.
Negative reports include complaints about fraudulent or unexpected charges, refund delays or denials, difficulties canceling accounts, and issues converting child riders; online reviews and forums also contain accounts of feeling pressured during recruitment or of obstructive procedures when attempting to exit. These mixed reports suggest documenting all communications and following formal written cancellation procedures when possible.
Documentation checklist
- Signed and dated written cancellation request (include policy or Rep ID number) addressed to "Cancellations."
- If cancelling a life policy, include the policy number, full name of insured, and a clear instruction to cancel or terminate the policy effective immediately.
- Copies of any relevant invoices, receipts, bank or card statements showing charges, and any prior emails or confirmations from Primerica.
- Fax confirmation or registered mail tracking number if sending by fax or registered/postal service; record the date and method of any phone calls and the name of the representative spoken to.
Common mistakes
Common errors include not submitting cancellation requests in writing or failing to include identifying information such as policy or Rep ID numbers, which delays processing. Missing the 30-day windows for IBA or POL first-month refunds is a frequent reason refund requests are denied. Relying solely on verbal confirmation from a local representative, or assuming stopping a bank payment automatically creates a formal cancellation with refund rights, can cause misunderstandings - stopping payment will typically cause a policy lapse but does not guarantee refunds of past premiums.
Also, submitting a single combined request when the company requires separate refund requests (for example, one for IBA and a separate one for the POL fee) can impede outcomes - follow the specific contact method for each item and keep separate records.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Primerica Online (POL) subscription - My Account / phone / email | First-month POL fee refundable if requested within 30 days (approx. C$103.95); otherwise no refund; cancellation effective next billing date. | Low - Moderate (self-service via My Account available; phone/email options) |
| IBA (Independent Business Application) fee - email us.iba.refunds@primerica.com | Refund of IBA/background-check fee (approx. C$99) may be available if requested within 30 days. | Moderate (requires specific email request and timely action) |
| Life insurance policy cancellation - Client Services call or written request | Generally no refund of past term premiums; free-look or statutory cancellation may apply in limited cases. | Moderate - High (formal written request advised; customer service or processing delays reported) |
After cancelling
After you cancel, keep and organize all confirmations, tracking numbers, and correspondence. Check bank and card statements for continued charges for at least one billing cycle and contact Primerica immediately if charges continue. If you requested refunds, allow the company’s stated processing time and follow up in writing if you do not receive confirmation. For questions about your legal rights, consult provincial consumer protection resources; for policy disputes consider contacting your provincial insurance regulator.
Useful links: Primerica public disclosures - primerica.com disclosures, and your provincial consumer protection office (search "[your province] consumer protection").
Address
Send written cancellation requests (signed, dated, include policy/Rep ID number; attention "Cancellations") to:
Primerica Life Insurance Company of Canada
P.O. Box 174, Streetsville, ON L5M 2B8
Fax option: 905-813-5312 (attention Cancellations). For refunds or billing inquiries also use POL_Billing@Primerica.com or us.iba.refunds@primerica.com and phone numbers: Primerica Online billing 1-888-737-2255; Client Services 1-800-257-4725.