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Cancel FIDELITY LIFE
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Cancellation service #1 in New Zealand
4.9Calculated on 5.6K reviews
I hereby notify you of my decision to terminate the contract relating to the Fidelity 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- guarantee the validity of an incorrect or outdated address.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.
Cancel Fidelity Life: Step-by-Step Guide
What is Fidelity Life
Overview
Fidelity Life is a New Zealand insurance company providing life, trauma, disability and related personal insurance products. They handle policies directly and through advisers and former Westpac Life customers are now under Fidelity Life.
Who they serve
The company serves individual policyholders and intermediary advisers across New Zealand. Westpac Life policies were transferred to Fidelity Life and retain dedicated contact channels for those customers.
How to cancel Fidelity Life
Primary methods
Fidelity Life does not provide a cancellation option via App Store, Google Play, or an app. All cancellations, reinstatements and ownership transfers must be done by contacting an adviser or Fidelity Life directly.
Accepted channels include website contact forms, email, phone support and postal mail. Westpac Life queries have a dedicated email address: westpac.insurancehelp@fidelitylife.co.nz.
Steps to cancel
- Collect your policy number and personal identification before starting.
- Contact your adviser if you purchase through one; ask them to submit the cancellation on your behalf.
- Or use Fidelity Life contact channels: complete the relevant web form at fidelitylife.co.nz/contact/faq, email or call Fidelity Life support.
- If your policy was originally Westpac Life, email westpac.insurancehelp@fidelitylife.co.nz for targeted assistance.
- If needed, send a signed cancellation or complaint letter to Fidelity Life’s postal address (see Address section).
What happens when you cancel
Policy termination and access
When cancellation is processed the policy is terminated and cover ends from the effective date specified by Fidelity Life or agreed in writing.
If you later seek reinstatement or a transfer of ownership this must be arranged through an adviser or by contacting Fidelity Life directly.
Records and future contact
Fidelity Life retains policy records and may contact you about outstanding matters such as refunds or remediation. You should keep copies of all communications and confirmation of cancellation.
Postal cancellations and formal notices are handled similarly to complaints and will be logged via their complaints process.
Will I get a refund?
Standard refund approach
Fidelity Life’s public FAQs do not state a standard 14‑day cooling‑off or automatic refund right. There is no published “free‑look” refund period on the FAQ pages.
Routine premium refunds are not described as an automatic entitlement on cancellation in publicly available materials.
Exceptions and remediation
- Refunds are issued in remediation cases such as overcharges or policy errors.
- When Fidelity Life issues remediation refunds they include use‑of‑money interest calculated via the Ministry of Justice Civil Debt Interest calculator under the Interest on Money Claims Act 2016.
- If you believe a refund is owed, raise it through Fidelity Life’s complaints channels and request remediation details and interest calculations.
Fidelity Life plans and pricing
Sample pricing overview
Exact published rates for specific policies are not provided in the public FAQs; the figures below are example estimates derived from third‑party aggregated quotes.
Use these only as indicative examples; contact Fidelity Life or an adviser for a personalised quote.
| Plan | Estimated Price | Period | Features |
|---|---|---|---|
| Estimated Life Cover - 30‑year‑old female non‑smoker, NZ$500,000 | approx. NZ$21.50 - 26.00 | Fortnightly | Estimated from aggregated 2025 quotes including Fidelity Life |
| Estimated Life Cover - 30‑year‑old male non‑smoker, NZ$500,000 | approx. NZ$31.86 - 37.02 | Fortnightly | Estimated from aggregated 2025 quotes including Fidelity Life |
| Estimated Trauma Cover - 30‑year‑old male non‑smoker, NZ$500,000 | approx. NZ$98 | Monthly | Sample pricing from third‑party review |
| Estimated Trauma Cover - 30‑year‑old female non‑smoker, NZ$500,000 | approx. NZ$128 | Monthly | Sample pricing from third‑party review |
Your consumer rights in New Zealand
Complaints and escalation
If you are not satisfied with Fidelity Life’s response you can escalate your complaint internally and then to the independent Ombudsman for insurance and financial services.
Fidelity Life’s complaints process accepts email, letter and in‑person escalations; if unresolved you can contact the Insurance & Financial Services Ombudsman (IFSO).
Remediation and legal protections
- Fidelity Life has discussed remediation programs in cases where policies were adversely impacted and will pay refunds plus interest as required.
- Interest for remediation payments is calculated under the Interest on Money Claims Act 2016 using the Ministry of Justice Civil Debt Interest calculator.
- Consumers retain statutory protections and the right to independent dispute resolution through IFSO if internal processes do not resolve the matter.
Customer experiences
Positive feedback
Some customers rate Fidelity Life positively for product availability and adviser relationships.
Overall public sentiment is mixed; prospective customers should review recent feedback alongside official communications.
Negative feedback
- Trustpilot shows concerns and a TrustScore around 2.5/5 with complaints about claim handling and communication.
- Reported issues include claim denials perceived as unjustified, long delays in claim resolution, premium increases and poor communication during critical claims.
- Online forums and reviews also describe difficult TPD and crisis claims experiences and frustration with resolution timelines.
Documentation checklist
Must-have documents
- Policy number, full name and date of birth.
- Proof of identity (driver licence or passport) and proof of address if requested.
- Signed cancellation request or written instructions if posting a letter.
Helpful extras
- Copies of relevant emails, policy schedules and any adviser correspondence.
- Bank details for refunds (if applicable) and dates of disputed charges for remediation claims.
- Notes of phone calls including dates, times and advisor names.
Common mistakes
Mistakes when cancelling
Assuming you can cancel via a mobile app or app‑store subscription is a common error; Fidelity Life requires direct contact with an adviser or the company.
Another frequent mistake is failing to obtain written confirmation of cancellation - always request and retain written proof.
Avoiding refund and remediation problems
Not documenting payment dates and amounts can complicate remediation or refund requests. Keep clear records of premiums and communications.
Delaying escalation when a response is slow may reduce options; if you do not receive timely updates, escalate through complaints channels and consider IFSO.
Comparative recap
How Fidelity Life compares
The table below compares key practical points about cancellation, refunds and consumer recourse versus common industry expectations in New Zealand.
Use it as a quick reference; specifics can vary by policy and situation.
| Topic | Fidelity Life (as reported) | Industry typical |
|---|---|---|
| Cancellation method | Must contact adviser or Fidelity Life via web form, email, phone or post; no app/store cancellation | Varies; many insurers allow written notice or adviser-initiated cancellations |
| Standard refunds | No public 14‑day cooling‑off stated; refunds mainly via remediation with interest | Some providers publish a statutory or contractual cooling‑off; others handle refunds case‑by‑case |
| Complaint escalation | Internal complaints process and access to IFSO; Fair Conduct Programme for Westpac transfers | Independent dispute resolution (Ombudsman) is standard across reputable NZ insurers |
| Pricing transparency | Example estimates available via third‑party quotes; full personalised rates require contact | Most insurers provide online quotes or adviser quotes for personalised pricing |
After cancelling
Next steps
Keep the written confirmation of cancellation and monitor your bank or card statements to ensure no further premiums are charged.
If you believe a refund or remediation payment is owed, follow Fidelity Life’s complaints process and request detailed calculations including interest.
Useful links
- Fidelity Life contact & FAQ
- Customer remediation information
- Westpac Life (now Fidelity) contact page
- Insurance & Financial Services Ombudsman (IFSO)
- Trustpilot reviews for Fidelity Life
Address
Postal address
Fidelity Life
PO Box 37‑275, Parnell, Auckland 1151
How to send formal notices
Postal notices and formal complaints sent to the above address are handled through Fidelity Life’s complaints process and logged accordingly.
If you prefer email for Westpac legacy matters, use westpac.insurancehelp@fidelitylife.co.nz or follow the web contact forms linked above.