Can I Cancel My Aviva Life Insurance? 
A life insurance policy can be cancelled by the policyowner . For term insurance policies , many people will simply stop paying the premiums and allow the policy to lapse on its own since there 's no cash value involved . For permanent insurance programs , there 's usually some buildup of cash value inside it that you may want to cash out -LRB- the cash value is subject to any remaining surrender charges -RRB- . If you 're looking to cash out the policy , there 's usually going to be a form to fill out and send it - you can contact the insurance company or your agent to get a copy of the form . 