Servicio de cancelación n°1 en Canada
Número de contrato:
A la atención de:
Departamento de Cancelaciones – Rbc Insurance
P.O. Box 5010 Station A
L5A 4L2 Mississauga
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 Rbc Insurance. 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 Rbc Insurance: Easy Method
What is Rbc Insurance
RBC Insurance is the insurance division of Royal Bank of Canada offering life, health, travel, auto, home and group benefits products to Canadians. It provides both individual and group coverages with a mix of term and permanent life products, disability and critical-illness options, property and casualty policies, and digital tools for policyholders.
How to cancel Rbc Insurance
- Identify the policy type and number. Note that most life and permanent policies require a written cancellation; some personal accident and hospital coverages can be cancelled by phone.
- Prepare a written cancellation request that includes: policy number, full name of policyholder, preferred cancellation date, reason (optional), and the policyholder’s signature. For life and many other products a signed, dated letter is required.
- Send the written request by registered mail (raccomandata A/R) to RBC Insurance’s mailing address: P.O. Box 5010 Station A Mississauga, ON L5A 4L2. Registered mail provides proof of delivery.
- For personal accident and hospital insurance, call the dedicated phone line shown on your policy documents (e.g. 1-800-845-9750) to confirm acceptable cancellation steps and any immediate actions.
- To delete a Group Benefits My Benefits app account call 1-888-769-2545 (Mon - Fri, 8 am - 8 pm ET). Note the app is free and not subscription-based; there is no App Store/Google Play subscription to cancel.
- Keep copies of all communications and proof of mailing/delivery. Follow up with RBC Insurance to confirm the cancellation effective date and any refunds or outstanding amounts owed.
What happens when you cancel
When a policy is cancelled, access to that coverage and any related digital services is terminated as of the cancellation date. For group benefits, deleting an app account removes online and in-app access to plan information. Auto and home policies cancelled mid-term are processed and any remaining premium is calculated after administrative fees; cancelling at renewal is typically processed without a short-rate fee. RBC will communicate confirmation of cancellation and any next steps; always request written confirmation and retain it with your records.
Will I get a refund?
Refund entitlements depend on product type and timing. Life products often have a free-look (review) period: 10 days for RBC YourTerm and 30 days for Simplified Term, Whole Life and Term 100 - cancel within that period for a full premium refund. After the free-look period, refunds (if any) are prorated so you pay for time in force. Universal life surrender proceeds equal the policy’s accumulated value minus any surrender charges and may include market value adjustments. Auto/home refunds are based on the unused portion of the premium less a short-rate administrative fee for mid-term cancellations; refunds are normally issued to the original payment method, while any outstanding balances remain payable by the policyholder.
Rbc Insurance plans and pricing
| Plan | Price | Period | Features |
|---|---|---|---|
| Visitors Plan II (base) - Individual | C$45.00 | Monthly | Visitors health coverage for individuals |
| Critical Illness (basic) - Individual | C$19.00 | Monthly | Basic critical illness lump-sum |
| Critical Illness (comprehensive) - Individual | C$48.00 | Monthly | Comprehensive critical illness lump-sum (30+ illnesses) |
| Critical Illness - Male age 30, non-smoker, C$100,000 | C$30.33 | Monthly | Age/gender/smoking-based sample rate |
| Critical Illness - Male age 55, non-smoker, C$100,000 | C$179.82 | Monthly | Age/gender/smoking-based high rate |
| Simplified Disability Insurance - starting | C$10.50 | Monthly | Disability income protection, no medical exam |
| Disability Insurance - 35-year-old male | C$35.79 | Monthly | Gross income C$75k; C$1,500 monthly benefit |
| 10-Year Term Life - 40-year-old woman | C$15.35 | Monthly | Term life, C$250,000 coverage |
| Guaranteed Permanent Life - 40-year-old woman | C$63.43 | Monthly | Permanent life, C$40,000 coverage, no medical |
Prices shown are illustrative/sample quotes and can vary with age, health, smoking status, coverage amount and location. Confirm current rates with RBC Insurance or your advisor.
Your consumer rights in Canada
Consumer protections and cancellation rights depend on the product and provincial regulations. RBC publishes product-specific review (free‑look) periods - typically 10 to 30 days depending on the life product - rather than a single national 14‑day statutory right. You may cancel most policies mid-term, though provincial rules and policy wording determine refunds and any administrative short-rate fees (commonly applied to auto/home). For universal life and some permanent products, surrender charges or market adjustments can reduce the amount payable on cancellation. Always check your policy contract and confirm any provincial consumer protections that may apply in your province of residence.
Customer experiences
Public reviews are mixed: many customers praise the breadth of products and detailed benefit structures, while common complaints include long hold times, inconsistent customer service, delays in claims processing and occasional administrative errors (for example missing documents or beneficiary recording mistakes). These themes appear across product lines in consumer review sites and aggregators; experiences can vary by agent, policy type and claim complexity.
Documentation checklist
- Policy number and policyholder full name
- Signed and dated cancellation letter with preferred cancellation date
- Contact information (phone number and email) for confirmation
- Payment information for refunds (original payment method and bank details if refund to different account is requested)
- Copy of ID and any relevant policy documents (beneficiary designation for life policies, copies of recent billing)
- Proof of delivery for registered mail and any confirmation emails or notes from phone conversations
Common mistakes
Common errors include sending unsigned or incomplete cancellation letters, failing to include the policy number or preferred cancellation date, and not using registered mail when a written signature and proof of delivery are needed. Policyholders sometimes assume a verbal phone cancellation is sufficient for life or universal policies and later discover written confirmation is required. Another frequent issue is expecting an immediate full refund outside the product’s free-look period; many refunds are prorated or reduced by surrender/administrative charges.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Written request by registered mail (life, universal, most policies) | Full refund if within free-look (10 - 30 days); otherwise prorated or subject to surrender charges | Medium - requires signed letter, proof of postage and follow-up |
| Phone cancellation (personal accident/hospital, some service lines) | Varies by product; may be processed quickly but refund rules still apply | Low - fast to initiate but follow-up documentation may be required |
| Cancel at renewal (auto/home) | No short-rate fee; unused premium refunded per policy terms | Low - often easiest and cheapest timing-wise |
After cancelling
After you cancel, obtain written confirmation of the cancellation date and any refund amount. Monitor your bank or payment method for refunds issued to the original payment method and settle any outstanding balances noted by RBC. If you need to replace coverage, compare options before coverage gaps occur. For specific product information and to confirm steps for your policy, refer to RBC Insurance resources: general FAQs and contact information are available on the RBC Insurance site - for example the frequently asked questions page (RBC Insurance FAQs), life/claims pages (Claims & service) and the My Benefits app information (My Benefits app).
Address
Send written cancellation requests (include policy number, preferred cancellation date and signature) by registered mail (raccomandata A/R) to:
P.O. Box 5010 Station A Mississauga, ON L5A 4L2