Cancellation service N°1 in Canada
Contract number:
To the attention of:
Cancellation Department – Prulife
Not found
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Prulife 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 Prulife: Easy Method
What is Prulife
Prulife generally refers to life insurance policies and related services offered under the Prulife / Prudential umbrella in various markets; in the Canadian context the available information centers on unit-linked life policies (variable universal life, VUL) and related customer-service channels (apps and email). Some public references also mention third‑party apps or similar brand names, so the exact product or app named "Prulife" may differ by source.
This guide summarizes how cancellations and surrenders are commonly handled based on verified consumer reports and available information for Canada; it does not replace your policy contract or advice from your insurer or agent.
How to cancel Prulife
- Contact the insurer or your agent first - use the official app or customer‑service email shown on your policy documents or the app. If you have a registered agent, inform them and request the formal surrender/cancellation form.
- Complete and submit the insurer’s surrender or cancellation form exactly as instructed. Include required signatures and any consent forms the insurer requests.
- Provide proof of bank account details (void cheque or bank statement) and identity documents as requested so the insurer can remit any payout.
- Ask for a written acknowledgement of the cancellation request and an estimated timeline. Processing may be completed in about 7 - 10 days in some cases but delays of several weeks are commonly reported.
- Keep copies of all correspondence and tracking numbers; follow up if you do not receive confirmation within the timeframe provided.
What happens when you cancel
When you cancel (surrender) a VUL-style policy, the policy terminates and access to benefits and coverage ends. The contract is closed once the insurer processes the surrender and issues any payout. Renewal or future premium obligations stop after cancellation, but you should confirm exact effective dates with the insurer to avoid gaps or unintended charges.
The insurer will process and pay whatever value is available in the policy’s investment funds, minus applicable fees, surrender charges and administrative costs. Processing times and internal reviews can delay payment; insurers commonly request supporting documentation (bank proof, IDs) before issuing funds.
Will I get a refund?
There is no policy of refunding premiums in full. Verified reports show that full refunds of premiums are not provided; instead, any payout on cancellation is based on the policy’s fund value at the time of surrender and paid net of fees. Charges applied to early surrenders can reduce the payout substantially - consumer reports indicate payouts can be roughly half of total contributions in some cases.
Exceptions (for example, a statutory cooling‑off period permitting full cancellation) were not verified for Prulife in Canada in the available data. If you believe you may have a right to a different outcome, review your policy contract carefully and ask the insurer or your agent for clarification in writing.
Prulife plans and pricing
| Plan | Price | Period | Features |
|---|---|---|---|
| Pulse Pro (Monthly) | C$24.99 | Monthly | |
| Pulse Pro (Yearly) | C$124.99 | Annual |
Note: the prices above were located for the "Prüvit Pulse" app on the Canadian App Store (late 2025) and are not explicitly labelled under an exact "Prulife" app. If your policy or app is a different product called "Prulife," please confirm the correct pricing and plan names with your insurer or official app listing.
Your consumer rights in Canada
No verified information was found specifically confirming statutory cancellation periods or special consumer protections for "Prulife" in Canada in the reviewed material. Insurance consumer rights and complaint processes are typically governed by provincial insurance regulators and by independent dispute-resolution services for life and health insurance.
To protect yourself, keep your policy documents, ask the insurer in writing for the applicable cancellation terms, and, if needed, contact the regulator or mediator in your province or a national ombud/service for life and health insurance for guidance on complaints and dispute resolution.
Customer experiences
Reports from customers are mixed. Some consumers report a straightforward surrender experience with funds released within about a week after submitting required documents. Others report significant delays - processing that takes several weeks - and frustration when additional documentation or bank‑verification steps are requested.
Many complaints focus on the amount received on surrender: fund payouts are often much lower than cumulative premiums because charges and surrender penalties are applied. Document requests and unclear communication are commonly cited causes of delays and frustration.
Documentation checklist
- Completed and signed surrender/cancellation form from the insurer
- Policy number and a copy of the policy schedule
- Valid government ID (passport, driver’s licence, etc.)
- Proof of bank account for payout (void cheque or recent bank statement)
- Any required signatures from policyowners or beneficiaries, if applicable
- Copies of correspondence with the insurer or agent (emails, app messages)
Common mistakes
Common mistakes include assuming premiums will be fully refunded, not supplying the precise bank or identity documents requested (which delays payment), failing to sign all required forms, and not obtaining written confirmation or a timeline from the insurer after submitting a cancellation request. Another frequent error is cancelling before understanding surrender charges or taxation implications; always review your contract terms and ask your agent for the estimated net payout before finalizing the surrender.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Full surrender (cancellation) | Fund value paid net of fees; premiums not refunded (consumer reports suggest payouts can be ~50% of contributions after charges) | Processing may take 7 - 10 days in some cases; delays of several weeks are common; documentation required |
| Partial withdrawal | Amounts taken from fund value subject to applicable fees and limits; net payout reduced by charges | Medium - requires forms and verification; timing varies |
| Agent‑assisted cancellation | Payout follows the same fund‑value, net‑of‑fees rules; agent may help expedite paperwork | Varies - can be faster with an engaged agent but still subject to insurer processing and documentation checks |
After cancelling
After your cancellation is processed, confirm the exact date coverage ended, request a final statement showing how the payout was calculated (fund value, fees, surrender charges) and retain that for your records. If you encounter delays or disputes, you can escalate within the insurer’s complaint process and, if unresolved, contact external resources for further assistance.
Helpful resources: the Government of Canada Financial Consumer resources https://www.canada.ca/en/financial-consumer-agency.html, the OmbudService for Life & Health Insurance https://www.olhi.ca/, and the Canadian Council of Insurance Regulators https://ccir-ccrra.org/ for links to provincial regulators and guidance.
Address
No verified Canadian mailing address for sending a cancellation letter to "Prulife" was found in the reviewed information. Use the contact methods shown on your policy documents (app, insurer email, or your agent) for submitting cancellations, and request a confirmation of receipt and processing timeline in writing.