Cancellation service N°1 in Canada
Contract number:
To the attention of:
Cancellation Department – Sun Life
1155 Metcalfe
H3B 2V9 Montreal
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Sun 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 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,
12/01/2026
Cancellation Sun Life: Easy Method
What is Sun Life
Sun Life Assurance Company of Canada (Sun Life) is a major Canadian life and health insurer and financial services provider offering individual and group life insurance, critical illness and long-term care products, health and dental plans, and retirement savings solutions. It operates through online channels, mobile apps and advisor networks across Canada.
How to cancel Sun Life
- For PAC (Pre‑Authorized Chequing) deductions: submit a PAC‑Cancel request via Sun Life’s Request Centre and provide at least 5 business days’ notice before the next withdrawal date; written authorization is not required. PAC arrangements also cancel automatically after 16 days of a returned withdrawal; Sun Life will mail a stop‑notice showing the lapse date. See the PAC cancellation page: suncentral.sunlife.ca.
- For the Sun Life mobile app: there is no in‑app subscription cancellation - deleting the app terminates the license immediately. If a subscription is billed via Apple or Google, cancel through your iOS/Android account settings; refunds (if any) are handled by the app stores. See the app terms: sunlife.ca.
- For policy cancellations or surrenders (life, critical illness, long‑term care, annuities): follow the specific policy cancellation or surrender process provided by Sun Life - contact your advisor or Sun Life client service for forms and instructions. If you have an individual product with a free‑look period (for example, Go Term Life), use that period to request a full refund as specified in the policy documentation: Sun Life Go Term Life.
What happens when you cancel
When you cancel a payment arrangement (PAC) Sun Life will stop future withdrawals and typically mail a stop‑notice to the payor and the policy owner (if different) indicating the date the withdrawals ceased. Policy cancellations or surrenders will affect coverage and any ongoing benefits: coverage ends as of the effective cancellation date and you will no longer have access to plan benefits or renewals unless reinstatement is arranged. Data retention follows Sun Life’s privacy and record‑keeping policies; they will maintain records for regulatory and administrative purposes and you may request copies under applicable privacy rules.
Will I get a refund?
Refund entitlement depends on the product and timing. Some life insurance products, such as Sun Life’s Go Term Life, offer a 30‑day free‑look period that allows full refund if you cancel within that window. For ongoing premiums or PAC payments, refunds are handled according to the product contract and the method of payment; there is no general practice of pro‑rating unused app licences by Sun Life itself - refunds for mobile subscriptions are subject to the Apple or Google refund processes. Always check your policy documents and ask Sun Life client service for the exact refund calculation and timeline.
Sun Life plans and pricing
| Plan | Price (approx.) | Period | Features |
|---|---|---|---|
| Term Life Insurance - Sun Life Go Simplified Term (Male, non‑smoker, age 40, $100,000, 10‑year) | C$30.18 | Monthly | 10‑year term, simplified underwriting, no medical exam required |
| Critical Illness Insurance - Sun Life (Healthy non‑smoker, age 30, $100,000) | C$42.00 | Monthly | Standalone critical illness coverage |
| Personal Health Insurance - Standard plan (Non‑smoker, Ontario, age 30) | C$78.17 | Monthly | Private health insurance with catastrophic drug; dental optional |
Your consumer rights in Canada
Canadian consumer protections vary by product type. Many life insurance policies include a free‑look period (commonly 30 days) during which you may cancel for a full refund; Sun Life’s Go Term Life reflects this practice. App marketplace purchases are governed by Apple’s and Google’s refund policies rather than Sun Life’s terms. For complaints, Sun Life provides an internal Problem Resolution Team (response typically within 2 business days) and escalation to Client Advocacy if unresolved (final position within 60 days). If you remain unsatisfied, external channels include the OmbudService for Life & Health Insurance (OLHI), the Ombudsman for Banking Services and Investments (OBSI), the Financial Consumer Agency of Canada (FCAC), or in Quebec, the Autorité des marchés financiers (AMF). For Sun Life’s complaint process details, see: sunlife.ca/support/how-to-make-a-complaint.
Customer experiences
Customer reports are mixed. Some customers praise patient, helpful representatives who assist with coverage questions and claims. However, many reviews on public platforms note long hold times, difficulties with claims or transfers, and unresolved issues such as continued premium withdrawals after cancellation or missing funds during transfers. Review platforms include Trustpilot and the Better Business Bureau where both positive and negative experiences are documented: Trustpilot, BBB.
Documentation checklist
- Policy number and policy owner information
- Signed PAC‑Cancel request form or written cancellation instruction (if used)
- Proof of identity (as required by Sun Life)
- Confirmation of cancellation request (email or reference number)
- If sending by mail: use a registered letter (raccomandata A/R) and keep proof of delivery
Common mistakes
Common errors include assuming app deletion automatically triggers a policy refund, failing to provide the minimum required notice for PAC cancellations (at least 5 business days before the next withdrawal), not obtaining written confirmation or proof of cancellation, and misinterpreting cooling‑off periods (there is not a universal 14‑day rule - many life policies use 30 days). For example, a policyholder who cancels a PAC less than five business days before the next debit may still see that withdrawal processed; another who deletes the mobile app may expect a refund that only the app store can provide.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| PAC (Pre‑Authorized Chequing) | Refunds depend on policy/payment timing; no automatic pro‑rated refund mechanism - returned withdrawals may lead to automatic cancellation after 16 days | Moderate - requires PAC‑Cancel form and at least 5 business days’ notice |
| Mobile App (iOS/Android) | No provider refunds for app licences; Apple/Google may offer refunds via their processes | Easy to delete app; refund resolution must be pursued through app store |
| Web / Policy cancellation (contact advisor or client service) | Varies by product - some products (e.g., Go Term Life) offer a 30‑day full refund | Variable - can be complex for policies (forms, medical/ underwriting considerations) |
After cancelling
After you cancel, obtain and keep written confirmation, check bank statements for any unexpected withdrawals, and confirm the effective cancellation date and any refund details. If you have a free‑look period for your policy, request the refund promptly and follow the insurer’s instructions. For PAC cancellations and instructions see: PAC cancellation. For Go Term Life free‑look details see: Sun Life Go Term. For complaints and escalation see: how to make a complaint. For app terms see: app platform terms.
Address
Send written correspondence (recommended by registered letter / raccomandata A/R for proof of delivery) to:
Sun Life Assurance Company of Canada, Attention: Group Life Claims, 1155 Metcalfe, Montreal, QC, H3B 2V9