Cancellation service N°1 in United States
Contract number:
To the attention of:
Cancellation Department – Transamerica
6400 C Street SW
52499 Cedar Rapids
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Transamerica 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,
14/01/2026
Cancellation Transamerica: Easy Method
What is Transamerica
Transamerica is a large financial services company that offers life insurance, critical illness products, and other protection plans; operations are headquartered in the United States but the brand underwrites or distributes various products that may be available to Canadian customers through specific channels or intermediaries. Publicly available information about Transamerica’s Canada-specific cancellation procedures and refund rules is limited, so Canadian customers should confirm details with their policy documentation or the insurer/agent that sold the product.
How to cancel Transamerica
- Gather your policy number and identification, compose a clear written cancellation request (include policy number, full name, email, phone, effective cancellation date, and signature).
- Send the cancellation request by registered mail (recommended for proof of delivery) to Transamerica Life Insurance Company, Attn: Policy Services, 6400 C Street SW, Cedar Rapids, IA 52499; keep copies and the registered-mail receipt. If you have an agent, also email or call them to notify and request written confirmation.
- If your policy or insurer provides online account access or an app, check those portals for a cancellation option and save screenshots; note that no public guidance was found about App Store, Google Play or web cancellation for Transamerica Canada specifically.
- Follow up by phone or email to confirm receipt and ask for written confirmation of cancellation, the effective date, and any refund or fee details.
What happens when you cancel
When a policy is cancelled, coverage stops as of the effective cancellation date and you will no longer be eligible for benefits for events occurring after that date. If a claim is already in progress, cancellation may affect eligibility for payment and insurers commonly refuse refunds once a claim has been paid or processed.
Cancellation will also stop future premium payments and any scheduled renewals. Insurers retain policy and transaction records per their privacy and record-retention policies; ask Transamerica how they handle your personal data and request confirmation of termination in writing for your records.
Will I get a refund?
There is no publicly documented, Transamerica‑specific refund policy for Canada found in available sources. Generally, in Canada some insurance products include a short free‑look period (commonly 10 - 15 days) during which you can cancel for a full refund before the policy becomes effective. After the policy starts, many insurers may offer a pro‑rata refund for unused coverage days, often minus an administrative fee (typical ranges reported are about C$25 - C$250), provided no claim has been filed.
If a claim has been filed or paid, most insurers do not provide a refund; some insurers permit withdrawing a claim for a fee to restore refund eligibility, but this varies by company and product. Because Transamerica’s Canada-specific rules are not publicly confirmed, request written confirmation of refund eligibility, the amount or formula, and any fees before or after cancelling.
Transamerica plans and pricing
| Plan | Price | Period | Features |
|---|---|---|---|
| CriticalADVANTAGE (Critical Illness Insurance) | approximately C$45.00 per month | Monthly | Global medical care insurance with no deductibles, up to $1M medical treatment coverage out-of-country plus $10,000 travel allowance; if treated in Canada, a single $25,000 non-medical expense payment |
| Term 20, $100,000 coverage (Male, non-smoker) | C$14.67 per month | Monthly | 20-year term life insurance, $100,000 coverage, male non-smoker, age 40 example |
| Term 20, $100,000 coverage (Female, non-smoker) | C$12.33 per month | Monthly | 20-year term life insurance, $100,000 coverage, female non-smoker, age 40 example |
Your consumer rights in Canada
Canadian consumer protections vary by product and province, but for many travel or visitor insurance policies a short free‑look period (commonly 10 - 15 days) allows a full refund prior to policy commencement. After the policy start date, insurers commonly calculate refunds on a pro‑rata basis for unused days, often deducting an administrative fee. No refund is usually available after a claim is made or paid, though some insurers may permit claim withdrawal for a fee to restore refund eligibility.
Because provincial regulators and the Financial Consumer Agency of Canada (FCAC) may have additional rules or complaint processes, check the terms in your policy paperwork and consult your provincial insurance regulator or the FCAC for guidance if a dispute arises. For general background on visitor/travel policy refunds see PolicyAdvisor.
Customer experiences
Online reviews are mixed. Positive reviews on Trustpilot Canada praise Transamerica staff for professionalism, helpfulness, and clear explanations, with customers reporting satisfaction and support in interactions (Trustpilot Canada).
Negative feedback logged with BBB and some Trustpilot/US-focused reviews cite complaints about denied claims, slow or poor communication, lost paperwork, unexplained policy cancellations, and difficulty obtaining documentation or payouts (BBB). These mixed reports underline the importance of keeping copies of correspondence and obtaining written confirmation when cancelling.
Documentation checklist
- Policy number, insured name, and contact details; a signed written cancellation request stating desired effective cancellation date; copies of the policy contract and any endorsement pages; proof of delivery (registered-mail receipt) or screenshots of online cancellation; copies of prior communications with the insurer or agent; banking details if a refund is expected and required for transfer; a record of any claims or claims correspondence.
Common mistakes
Common errors include relying on verbal confirmations instead of obtaining written proof, failing to keep copies of the cancellation request and delivery receipts, sending cancellation by an untraceable method, and cancelling after a claim has been submitted (which often removes refund eligibility). Another frequent mistake is not checking the specific policy terms for free‑look periods or administrative fees and assuming that refund rules are the same for all Transamerica products or for all regions; always verify the exact policy wording.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Online / App | Unknown for Transamerica Canada; may depend on product and timing; check policy wording | Unknown - no public guidance; may be convenient if available |
| Phone | Possible to initiate cancellation but refund terms must be confirmed in writing; outcome depends on policy | Medium - quick but requires follow-up for written confirmation |
| Registered mail (recommended) | Refund eligibility depends on policy and timing; provides strong proof of notice and date | Low difficulty - reliable and provides documentation (recommended for disputes) |
| Through agent / broker | May facilitate faster processing; refund depends on insurer policy and timing | Medium - agent can assist but get insurer confirmation in writing |
After cancelling
After you cancel, keep copies of the signed cancellation letter, delivery receipts, confirmation emails, and any acknowledgement from Transamerica. Monitor your bank statements to ensure premium payments stop and any agreed refund is received. If you experience delays, request a timeline in writing and escalate to the insurer’s complaints department; if unresolved, contact your provincial insurance regulator or the Financial Consumer Agency of Canada (FCAC) and consider the OmbudService for Life & Health Insurance for disputes in Canada.
For additional reading and complaint channels, see your policy documents and consult general consumer information such as PolicyAdvisor on refunds, the Trustpilot Canada reviews, and the BBB complaint page.
Address
Transamerica Life Insurance Company
Attn: Policy Services
6400 C Street SW
Cedar Rapids, IA 52499