Cancel MetLife the easy way

Overview

MetLife is a global insurance group offering personal protection and mortgage protection products in the United Kingdom. In the UK it sells plans such as MultiProtect, EverydayProtect, ChildShield and MortgageSafe.

Products and scope

Key UK offerings include accident and illness cover, hospitalisation benefits, child-specific cover and mortgage repayment protection. Some plans use a unit pricing model where premium increases in units increase benefit levels.

Company facts

Official MetLife UK customer information is available at MetLife UK customer FAQ and product terms at MetLife's published brochures and T&Cs.

Website / Customer portal

1. Go to the MetLife UK customer FAQ page at https://www.metlife.co.uk/customer-mymetlife-2025-ep-faq/.
2. Check the FAQs for cancellation instructions and links to contact methods.
3. If a portal login exists, look for a cancellation form or message centre to submit a request.
4. Request written confirmation of cancellation.

Phone

1. Call 0800 917 0100 (Mon-Fri 09:00 to 17:00).
2. Provide your full name, policy number and reason for cancellation.
3. Ask the agent to confirm the effective date and request a written confirmation by email or post.
4. Record date and time of the call and the name of the representative.

Email

1. Send a signed email to [email protected] with your full name, policy number and clear cancellation statement.
2. Include preferred contact details and request confirmation in writing.
3. Keep your sent email and any reply as proof.

Post (registered letter)

1. Write a signed cancellation letter including policy number, full name and date you want cancellation to take effect.
2. Send by recorded delivery to MetLife, Invicta House, Trafalgar Place, BN1 4FR Brighton, United Kingdom.
3. Keep proof of posting and the letter copy. Expect reply time not published by MetLife.

Moving abroad or change of residence

If your change of address affects the policy you should contact MetLife and provide the new address and any requested documents. MetLife does not publish specific statutory acceptance criteria for relocation in its public T&Cs; contact customer service for instructions. Applicable law: contact MetLife and the Financial Conduct Authority for cross-border guidance.

Price increase by MetLife

When MetLife changes a policy in a way you do not accept, MetLife's terms give you the right to cancel the policy with 30 days notice from the change notification. Provide the change notification from MetLife as proof. Applicable law: MetLife T&Cs and general consumer protection.

Death of the subscriber

If the insured person dies, contact MetLife to notify them and to ask how the policy will be closed or paid. Exact process and required documents are not publicly published in the available MetLife UK brochures; contact MetLife for required proof (for example a death certificate). Applicable law: refer to MetLife customer service and the Financial Ombudsman if a dispute arises.

Legitimate grounds accepted by MetLife

The research shows MetLife specifically documents the right to cancel after a policy change and provides a 30 day refund window; other explicit legitimate grounds accepted in public T&Cs are not published. For any ground you believe is legitimate, send supporting documents and request confirmation in writing.

End of commitment

If your policy term ends, notify MetLife if you do not want to renew. MetLife's public documents do not publish a standard minimum commitment across all products; check your policy schedule or contact MetLife for the expiry date and renewal terms.

Cooling-off period

MetLife states that if you cancel within the first 30 days from receiving policy documents you will be refunded any premiums paid provided no claim has been made. Statutory rights also apply: the Consumer Contracts Regulations 2013 provide a 14-day cooling-off period for most contracts concluded off-premises or online. MetLife's 30 day right to refund is the company-specific term in their T&Cs. Applicable law: Consumer Contracts Regulations 2013.

Before cancelling: negotiate

MetLife public materials do not list standard retention discounts or explicit retention packages. There are no published MetLife retention offers in the verified sources. Practical steps to ask for savings: contact MetLife by phone at 0800 917 0100 or by email at [email protected], explain why you want to cancel, ask for lower units or product change (for example reduce MultiProtect units), request a written offer, and only accept an offer that is confirmed in writing. If MetLife declines, record the refusal and proceed to cancel if needed.

What cancelling saves - yearly calculations

Calculate annual savings by taking the monthly premium times 12. Examples using MetLife published prices:

• MultiProtect Core Cover (1 Unit) - £9 x 12 = £108 per year saved.
• EverydayProtect Core Cover (1 Unit) - £11 x 12 = £132 per year saved.
• ChildShield Standard - £6 x 12 = £72 per year saved.
• MortgageSafe - from £10 x 12 = from £120 per year saved.
• EverydayProtect Core Cover (5 Units) - £55 x 12 = £660 per year saved.

Cheapest real alternative - example: a lower-cost alternative for basic accident cover may be a single-unit MultiProtect at £9/month. Competitor price comparison is shown in the competitors section below for further options.

Consumer law and regulators

In the United Kingdom, financial services are regulated by the Financial Conduct Authority and Prudential Regulation Authority. MetLife Europe d.a.c. is authorised and regulated by the Central Bank of Ireland and is subject to FCA and limited PRA regulation in the UK as stated in MetLife documents.

Cooling-off and unfair terms

The Consumer Contracts Regulations 2013 provide a 14-day cooling-off period for most contracts concluded online or off-premises. MetLife offers a company-specific 30 day refund window if you cancel within the first 30 days of receiving policy documents and no claim has been made. The Consumer Rights Act 2015 addresses unfair contract terms and requires services to be performed with reasonable care and skill.

Auto-renewal and hard-to-cancel rules

The Competition and Markets Authority treats unclear auto-renewal terms and hard-to-cancel subscriptions as potentially unfair. If you face barriers to cancellation, collect evidence and escalate as detailed below.

Escalation and complaints

First complain to MetLife via their customer service. If your complaint is unresolved or you do not receive a final response within eight weeks, you can refer the matter to the Financial Ombudsman Service. Complaints to the Financial Ombudsman Service should be made within 6 months of receiving MetLife's final response as stated in MetLife's T&Cs. Citizens Advice can provide guidance and you may consider chargeback or Section 75 via your card issuer for qualifying card payments.

Get written confirmation

Ask MetLife for written confirmation of cancellation and the effective cancellation date. MetLife states they can provide written confirmation of policy cancellation upon request in their product literature.

Check final billing and refunds

If you cancelled within the first 30 days from receiving policy documents MetLife will refund any premiums paid provided no claim has been made. If you cancelled after that initial window, MetLife's published T&Cs state premiums are not refunded. Keep the confirmation and any refund receipts for your records.

Data and documents

Retain copies of your cancellation request, proof of sending (recorded delivery receipt or sent email), MetLife replies and any policy schedule. These documents are required if you escalate to the Financial Ombudsman Service.

Re-activation or switch back

If you decide to reapply later you will need to contact MetLife for a new application. Premiums, acceptance and underwriting may differ on a new policy; MetLife's public literature does not publish an automatic re-activation process.

Use this checklist to cancel and protect your rights.

• Locate your policy number and policy documents.
• Decide cancellation method: phone, email or recorded post.
• If by phone, record date, time and agent name; request written confirmation.
• If by email, send to [email protected] and keep the sent email.
• If by post, send a signed letter by recorded delivery to MetLife, Invicta House, Trafalgar Place, BN1 4FR Brighton, United Kingdom and keep the receipt.
• Request a refund if you are within 30 days of receiving policy documents and no claim has been made.
• Save all replies and proof of posting; escalate to the Financial Ombudsman Service if unresolved after eight weeks.