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Cancel Amp: Step-by-Step Guide
How to cancel your AMP insurance and super cover in australia
Why you might cancel your AMP insurance cover
AMP administers superannuation and group life insurance for millions of Australian members. If you hold life insurance through your AMP super account-whether death cover, total permanent disability (TPD), or trauma protection-you have the legal right to cancel at any time. AMP has restructured significantly in recent years, transferring legacy policies to Resolution Life and delivering group cover through TAL. This means the entity processing your cancellation may differ from the original policy issuer named in your documents.
You might cancel your AMP insurance for several reasons. You've discovered cheaper cover elsewhere, your circumstances have changed, you no longer need the protection, or you simply want to redirect your super contributions toward retirement savings. Whatever your reason, Yafee has helped thousands of consumers cancel their cover and understand their legal position. Our guides walk you through the process step-by-step so you cancel correctly and receive any refund owed to you.
Common reasons members cancel AMP insurance
Life insurance inside super often remains invisible until you actively review your statement. Many members cancel after discovering they can obtain better value through standalone retail policies, they've reached a life stage where dependants no longer need coverage, or they want to eliminate duplicate cover. Additionally, some members cancel after discovering they're paying for group insurance automatically without realising it existed.
How AMP's recent restructuring affects your cancellation
AMP's transition to TAL for group insurance in 2026 means your cancellation request will be processed through TAL's systems rather than AMP directly. However, your policy terms and cancellation rights remain unchanged. If you hold a legacy AMP Life policy transferred to Resolution Life, your cancellation goes to Resolution Life instead. Understanding which entity currently administers your cover ensures your request reaches the correct team immediately.
Your consumer rights when cancelling AMP insurance
Australian consumer law provides you with specific protections when you cancel life insurance, whether held inside super or in a retail policy.
The 14-day cooling-off period
The Insurance Contracts Act 1984 (Cth) grants you a statutory right to cancel any life insurance contract within 14 days of purchase and receive a full refund of premiums paid. This cooling-off right applies to new AMP life insurance policies and most policy variations. If you've just taken out cover and changed your mind, you can cancel within this window and recover your money with no questions asked, subject only to limited tax or duty adjustments. Your legal position: The 14-day period begins from when you receive your policy document, not when you purchase it online or over the phone. Keep your original documents-they prove when your cooling-off period started.
Cancellation rights after the initial 14 days
Once the 14-day window closes, you lose the automatic right to a full refund, but you can still cancel your policy at any time without penalty. After the cooling-off period, AMP and its insurers will refund only the unearned portion of your premiums on a pro rata basis. For example, if you've paid annual premiums of AUD 400 and cancel after six months, you'll receive approximately AUD 200 for the unused portion, less any deductions permitted by your policy and state insurance duty rules.
Consequently, the timing of your cancellation directly affects the refund amount you receive. If you cancel on the first day after the cooling-off period expires, you'll receive almost a full year's refund. If you cancel near the end of your premium year, your refund will be smaller.
What the australian consumer law protects you
The Australian Consumer Law (ACL), enforced by the Australian Securities and Investments Commission (ASIC) and state consumer affairs authorities, requires that AMP deal with you fairly and honestly throughout the cancellation process. AMP must not mislead you about your cancellation rights, must process your request promptly, and must refund money owed within a reasonable timeframe. If AMP refuses to cancel your policy or delays your refund without legal justification, you can lodge a complaint with ASIC or your state consumer authority. Furthermore, the Superannuation Industry (Supervision) Act 1993 (Cth) protects your super balance and ensures your provider acts in your best interests.
How to cancel your AMP insurance online
Cancelling online through your My AMP account is the fastest method and creates an immediate digital record of your request.
Step 1: log in to your my AMP account
Visit the My AMP portal at myamp.com.au and enter your username and password. If you've forgotten your login details, use the "Forgot password" link to reset them via your registered email address. Two-factor authentication may be required for security.
Step 2: locate your insurance policy
Once logged in, navigate to the "Super and Investments" or "My Policies" section. Select the AMP insurance policy you wish to cancel. The system will display your current cover type, premium amount, and cancellation eligibility. Yafee recommends taking a screenshot of this page before proceeding, as it proves your policy details and current status.
Step 3: submit your cancellation request
Locate the "Cancel cover" or "Make a change" button and click it. AMP's online portal will display a cancellation confirmation form. Review the form carefully-it will outline when your cover ceases (usually at the end of your current premium period or immediately, depending on your choice) and confirm the refund you'll receive. Complete any required fields and submit the form electronically.
Step 4: retain your cancellation confirmation
AMP will display a confirmation page showing your cancellation reference number, submission date, and expected cancellation date. Save this page as a PDF or take a screenshot. Additionally, check your registered email address for a cancellation confirmation letter from AMP. This email serves as your proof of cancellation and should arrive within one business day.
How to cancel your AMP insurance by phone
Cancelling by phone allows you to speak directly with an AMP representative and ask questions about your refund in real time.
Step 1: call AMP on 1300 363 267
Dial 1300 363 267 during business hours (8:00 AM to 6:00 PM, Monday to Friday, AEST). AMP's automated system will prompt you to select your reason for calling. Choose the option for "Insurance" or "Policy changes." You'll be placed in a queue and connected to an AMP representative.
Step 2: provide your policy and personal details
When connected, the AMP representative will ask for your policy number, date of birth, and other identifying information to confirm your identity. This security check protects your account from unauthorised cancellations. Have your policy documents nearby so you can provide these details quickly.
Step 3: confirm your cancellation request
Tell the representative you wish to cancel your life insurance policy. They will outline your cover type, current premium, and the refund amount you'll receive based on your cancellation date. In accordance with AMP's procedures, the representative will ask you to confirm your cancellation request verbally. They may also ask why you're cancelling, though you're not obliged to explain.
Step 4: request written confirmation
Before ending the call, ask the representative for a reference number and request that they email you a written cancellation confirmation. This confirmation should include your cancellation date, refund amount, and the date the refund will be processed. Write down the reference number immediately and store it securely.
How to cancel your AMP insurance by mail
Cancelling by mail creates a paper record and suits members who prefer traditional communication methods.
Step 1: download or request the cancellation form
Visit the AMP website or call 1300 363 267 to request a cancellation or election form. The form is typically titled "Insurance Application / Amendment Form" or "Cancellation of Cover Form." You can also download this form directly from the My AMP portal under "Forms and documents." Print the form and review all fields before completing it.
Step 2: complete the form accurately
Fill in all required sections, including your full name, policy number, date of birth, and signature. In the "Action" or "Request" field, clearly write "CANCEL" or select the cancellation option. Specify your desired cancellation date-AMP typically processes cancellations effective from the end of your current premium period, but you can request immediate cancellation if required. Ensure your signature matches your records held by AMP.
Step 3: prepare your envelope
Envelope your completed form (no supporting documents are required unless AMP requests them specifically). Address your envelope to:
AMP Limited
Reply Paid 300
Parramatta NSW 2124
This is a reply-paid envelope-you do not need a postage stamp. Drop your envelope into any Australia Post mail box.
Step 4: allow processing time and follow up
Australia Post typically delivers mail to Parramatta within 3 to 5 business days. AMP will process your cancellation form within 10 business days of receipt. If you don't receive a written confirmation within 2 weeks of posting, call 1300 363 267 with your post date and envelope details. AMP can confirm whether your form has been received and processed.
Your refund and how long it takes
Understanding when and how you'll receive your refund ensures you can plan your finances accordingly.
Refund amounts and pro rata calculation
If you cancel within the 14-day cooling-off period, you receive a full refund of all premiums paid. After the cooling-off period, your refund is calculated on a pro rata basis. AMP calculates this by dividing your annual premium by 365 days and multiplying by the number of days of unused cover remaining. For example, if your annual premium is AUD 365, each day of unused cover is worth AUD 1. If you have 100 days of unused cover, your refund is AUD 100, minus any deductions for tax or insurance duty.
Deductions from your refund
AMP may deduct state insurance duty (ranging from 10% to 20% depending on your state) and applicable taxes from your refund. These deductions are calculated on the premium portion attributable to your unused cover period only. Yafee recommends asking AMP to itemise these deductions in writing so you understand exactly what you're receiving.
Processing timeframes
AMP typically processes refunds within 10 to 15 business days of receiving your cancellation request (whether online, by phone, or by mail). The refund is paid directly into your super account unless you've requested a rollover to another super fund. If you chose to receive the refund outside super, additional processing may occur through the Australian Taxation Office (ATO), which can take a further 5 to 10 business days. Check your super balance or bank account to confirm the refund has been received.
Common mistakes to avoid when cancelling
Cancelling your insurance is straightforward, but a few missteps can delay your refund or create confusion.
Not keeping written confirmation
If you cancel by phone, the representative may not automatically email a confirmation. Always request written confirmation and a reference number during the call. Without this documentation, you have no proof of your cancellation request if a dispute arises. Yafee has guided consumers through disputes where lack of written confirmation delayed refunds by months. Save emails, screenshots, and reference numbers immediately.
Cancelling during an open enrolment period
Some super funds impose restrictions on cancellations during annual review or enrolment windows. Check your AMP statement or call 1300 363 267 to confirm there are no enrolment holds on your account. If a hold exists, wait until it expires before submitting your cancellation.
Missing the 14-day cooling-off window
The 14-day period begins when you receive your policy, not when you purchase it. If you received your policy on 1 January, your cooling-off period expires at midnight on 14 January. Submitting your cancellation on 15 January means you've lost the right to a full refund and will receive only pro rata refund. Check your policy letter for the exact receipt date.
Failing to request itemised deduction details
AMP will deduct insurance duty and taxes from your refund, but the amount should be clearly itemised. If you receive a refund without explanation of deductions, contact AMP immediately and request a detailed breakdown. Occasionally errors occur, and early identification allows you to correct them.
What happens after your cancellation is processed
Once your cancellation takes effect, your cover ceases and your refund will be processed-but several important steps follow.
Your cover ends on the cancellation date
On your cancellation date, your life insurance protection ceases immediately. You will no longer be covered for death, TPD, or trauma claims from that date forward. If you've cancelled but are still waiting for your refund, remember that cover is no longer active. If you need immediate cover, arrange alternative insurance before your AMP cancellation date takes effect. Do not assume your cover continues until the refund is received-it does not.
Verify your refund has been received
Check your super account balance 15 to 20 business days after submitting your cancellation. Log in to My AMP and review your transaction history-you should see a credit for the refund amount. If the refund doesn't appear, call 1300 363 267 with your cancellation reference number and ask AMP to provide a payment confirmation or bank reference number. Obtain this in writing via email.
Update your insurance arrangements
If you've cancelled AMP cover to switch to another provider, ensure your new cover starts before your AMP cover ceases. This prevents a gap in your insurance protection. Inform your new insurer of your cancellation date so they can coordinate any overlap or gap periods. Additionally, consider whether you need income protection, apartment or home insurance, or other coverage you may have previously held with AMP.
Cancellation timeframes and what to expect
| Cancellation method | Processing time | Best for |
|---|---|---|
| Online (My AMP) | 1 to 2 business days | Speed and digital record |
| Phone (1300 363 267) | 3 to 5 business days | Questions and immediate contact |
| Mail (Reply Paid 300) | 10 to 15 business days | Paper trail and formal record |
| Refund processing | 10 to 15 business days | Super account credit |
If AMP refuses to cancel or delays your refund
AMP must process your cancellation request within 10 business days and refund money within 15 business days of your request. If AMP refuses to cancel without legal justification or delays your refund unreasonably, you have formal dispute resolution options.
Step 1: escalate internally
Call 1300 363 267 and request to speak with a supervisor or escalation team. Explain that your cancellation hasn't been processed or your refund hasn't been received within the statutory timeframe. Provide your cancellation reference number and the date you submitted your request. In accordance with the Insurance Contracts Act 1984 (Cth), AMP must respond to escalated complaints within 30 days.
Step 2: lodge a formal complaint with ASIC
If AMP doesn't resolve your complaint within 30 days or you're dissatisfied with their response, lodge a formal complaint with the Australian Securities and Investments Commission (ASIC). Visit asic.gov.au, click "Complaints and disputes," and complete the complaint form. Include your cancellation reference number, dates of all communications, and copies of your cancellation request confirmation. ASIC will investigate your complaint at no cost to you and can direct AMP to process your cancellation or refund if they've breached the law.
Step 3: escalate to your state consumer authority
You can also lodge a complaint with your state or territory consumer affairs authority (such as the Office of Fair Trading in Queensland or Consumer Affairs Victoria). These authorities investigate breaches of the Australian Consumer Law and can take enforcement action against AMP if they've acted unfairly. Furthermore, Yafee recommends documenting all communications-keep copies of emails, call recording confirmations, and reference numbers. This documentation supports your escalation if needed.
Cancellation address and contact details
If you choose to cancel by mail, use the address below. For all other cancellations, contact AMP online or by phone.
AMP Limited
Reply Paid 300
Parramatta NSW 2124
Australia
Phone: 1300 363 267
Hours: 8:00 AM to 6:00 PM, Monday to Friday (AEST)
Online: myamp.com.au
Summary and next steps
Cancelling your AMP insurance is a straightforward process governed by the Insurance Contracts Act 1984 (Cth) and the Australian Consumer Law. You have the right to cancel at any time, receive a full refund within the first 14 days, and claim a pro rata refund after that period. Online cancellation through My AMP is the fastest method, while phone and mail options remain available for members who prefer speaking with a representative or sending formal written notice. Consequently, Yafee recommends choosing the method that best suits your preference and comfort level.
Once you've submitted your cancellation, retain all confirmation documents, monitor your super account for the refund credit, and ensure alternative cover is arranged before your AMP protection ceases. If AMP refuses to process your cancellation or delays your refund beyond the statutory timeframe, escalate to ASIC or your state consumer authority immediately. Yafee has helped thousands of consumers cancel their insurance cover, understand their refund entitlements, and resolve disputes with providers who've failed to comply with consumer law. Visit yafee.com today to access more guides on cancelling Australian financial services and protecting your consumer rights.