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Cancel SUN LIFE
in 30 seconds only!
Cancellation service #1 in India
4.9Calculated on 5.6K reviews
I hereby notify you of my decision to terminate the contract 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 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.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Sun Life: Easy Method
What is Sun Life
Overview
Sun Life is a global life insurance provider offering life, health and investment-linked policies designed to provide financial protection and savings for policyholders and their families.
In India, Sun Life policies follow local regulations and are intended to provide term, whole life, ULIP and health-style benefits depending on the product chosen.
Key characteristics
Products vary by coverage type, premium structure and surrender features, and are governed by the insurer’s policy documents and Indian regulator rules.
Purchase may be made online or offline; regulatory consumer protections apply uniformly across channels.
How to cancel Sun Life
Cancel during the free-look period (first 30 days)
- Check the policy receipt date (electronic or physical) to confirm you are within 30 days.
- Send a written cancellation request to the insurer stating your policy number and reason for cancellation.
- Request a refund and provide preferred bank details for electronic transfer.
Cancel after the free-look period or at any time
- Review your policy wording for surrender, pro‑rata refund terms or surrender charges that apply after free-look ends.
- Submit a written cancellation or surrender request as per policy instructions (branch, email or postal address as given in your policy documents).
- Follow the insurer’s process for returning policy documents and for any discharge forms required.
What happens when you cancel
Access and cover
Once cancellation is accepted, insurance cover under that policy ends from the cancellation date specified by the insurer or policyholder.
Claims arising after the cancellation effective date are normally not payable unless specifically stated otherwise in policy terms.
Policy renewal and data
Automatic renewals stop once the policy is cancelled and future premium debits cease.
The insurer retains policy records for regulatory and audit purposes; request confirmation in writing that your policy is closed and data processed as required.
Will I get a refund?
Refunds within the free-look period
If you cancel within 30 days of receiving the policy, you are entitled to a refund of the premium paid, subject to permitted deductions.
- Deductions may include pro‑rata risk premium for cover provided, any medical examination expenses and stamp duty.
Refunds after the free-look period and delays
After free-look, refunds depend on policy terms - possible pro‑rata refunds, surrender value, or no refund if policy forbids recovery.
If a refund is delayed beyond 7 days from the insurer’s acceptance, interest is payable by the insurer at the bank rate plus 2% for the period of the delay.
Sun Life plans and pricing
Pricing availability
No public INR pricing for Sun Life app or specific India policies was found for 2024 - 2025 in the reviewed data.
Contact Sun Life directly or your agent for product-specific pricing and quotes before cancelling or purchasing.
Sample plan list and contact instruction
| Plan | Coverage | Price |
|---|---|---|
| Term Life | Pure life cover for a fixed term | Contact for pricing |
| Whole Life / Protection | Lifetime cover with possible cash value | Contact for pricing |
| ULIP / Investment-linked | Investment component with life cover | Contact for pricing |
Your consumer rights in India
Free-look and cancellation rights
For life and health policies, consumers have a 30‑day free‑look period from receipt of the policy document, applicable for online and offline sales alike.
During this period, the policyholder may cancel by written request and obtain a refund subject to permitted deductions.
Grievances and regulator protections
Insurers must provide customer information and grievance channels, including contact details for escalation and the Insurance Ombudsman mechanism.
If refunds are delayed beyond 7 days, insurers must pay interest at the bank rate plus 2%; regulators enforce compliance and can penalise non‑compliance.
Customer experiences
Positive notes
Customers typically value clear term covers and straightforward policy documents when provided and when service is responsive.
Where companies deliver prompt service, policy onboarding and buy-back processes are rated well.
Common negative feedback
- Reports of slow service, poor claims support and low website usability have been noted by some reviewers.
- ULIP buyers sometimes raise concerns about charges (mortality, fund management, GST) and alleged mis‑selling, and some use free‑look to withdraw in early days.
- There are customer accounts of cancellations due to non‑disclosure or disputes where refunds were limited or contested.
Documentation checklist
Documents to prepare before cancelling
- Original policy document or electronic policy receipt and policy number.
- Written cancellation request or surrender form, signed by the policyholder.
- Bank details (cancelled cheque or bank mandate) for refund transfer.
Additional supporting documents
- Identity proof (Aadhaar, PAN) and address proof as per the insurer’s KYC requirements.
- Medical reports or receipts if medical exam charges are contested or for itemised deductions.
Common mistakes
Missing the free-look deadline
Waiting past the 30‑day free‑look period can change refund entitlements significantly, often resulting in reduced or zero refunds.
Always verify the policy receipt date and act promptly if you intend to cancel.
Poor documentation and communication
Failing to send a clear written request, omitting bank details, or not returning policy documents can delay processing.
Keep copies of all correspondence and request written acknowledgement of cancellation from the insurer.
Comparative recap
Quick comparison of cancellation outcomes
| Feature | Free‑Look (first 30 days) | After Free‑Look | Cancelled by Insurer |
|---|---|---|---|
| Refund entitlement | Refund subject to permitted deductions | Depends on policy: pro‑rata, surrender value or none | Often no refund if cancellation for fraud/non‑disclosure |
| Deductions | Pro‑rata risk premium, medical exam, stamp duty | May include surrender charges or no payout per wording | Policy wording usually governs; may be zero refund |
| Refund timeline | Insurer must process within 7 days | Processing varies by policy and internal timelines | If refunds apply, timelines depend on investigation |
| Interest on delay | Bank rate + 2% from request date if refund delayed | Same interest rules if regulator‑mandated timelines missed | Interest rules apply if refund obligation exists and is delayed |
After cancelling
What to expect next
Obtain written confirmation that the policy is cancelled and note the effective cancellation date and refund amount, if any.
Retain all cancellation receipts and bank credits for your records and tax or audit needs.
Further steps and escalation
If you face delays or disputes, escalate through the insurer’s grievance channels and keep records of each step.
As a consumer, you may approach the Insurance Ombudsman or regulator if the insurer does not resolve a legitimate complaint; keep documentation handy for any escalation.
Address
Sun Life India operations (postal contact)
Level (1/7/8/9), Pioneer Square, Sector-62, Near Golf Course Extension Road, Gurugram 122101, Haryana, India.
Use the address above for postal cancellation requests or registered correspondence, and verify the correct branch or department in your policy documents.