How to Cancel Life Time Membership (2026)

Life Time runs club memberships and digital memberships under different terms, and the first thing to establish is which one you are ending.

1. Open your General Terms Agreement and find the advance-notice clause. Life Time's own instruction is to give notice in accordance with that agreement, and its state law provisions can change the number.
2. Use the modify-membership portal, online or in the app. It is the route Life Time lists first and it timestamps the request.
3. Or send it by email through Life Time's contact form, or cancel in person at your club. For digital memberships the terms also name a mailing address — Life Time Digital, 2902 Corporate Place, Chanhassen, MN 55317 — and [email protected].
4. Count the notice from when Life Time receives it, not from when you send it. The digital terms give the worked example: notice received on January 15 ends the membership on February 14.
5. Check who else is on the membership. Family and couple memberships need the members removed or the whole membership ended, and doing one is not doing the other.
6. Keep the confirmation and check the next dues run.

Yes. The modify-membership portal handles cancellations online and in the Life Time app, alongside email and in-person requests. Life Time also lists mail to your club as an accepted route.

Because the notice clock starts when Life Time receives the notice, the online route is the one worth using: it is the only one where the received date is not in dispute.

What Life Time publishes centrally is the process; the numbers sit in your agreement. These are the ones that are documented.

Two things decide what a gym has to let you do, and only one of them is settled. The federal rule most people have heard of is not in force: the FTC's click-to-cancel rule, which would have required canceling to be as simple as signing up, was thrown out in full by the Eighth Circuit on July 8, 2025, weeks before compliance was due. The FTC reopened the rulemaking with an advance notice of proposed rulemaking in March 2026 and took comments until April 13, 2026; no replacement rule exists yet. The agency still sues over hard-to-cancel subscriptions under ROSCA and Section 5 of the FTC Act, so this is not a free-for-all — but there is no federal cancel button to point at today.

State law is where the real rights are. In New York, General Business Law § 624 lets you cancel any health-club contract within three business days of signing, with no penalty, and requires every dollar back within ten business days. It also gives you an exit later: a doctor-certified disability lasting more than three months, a move of more than 25 miles from any club the chain operates, or the club no longer providing what it sold you. Death releases the estate. Separately, § 527-a says that if you signed up online, you have to be able to cancel online — that is the law the Attorney General used against Equinox in May 2025.

California runs on the same idea with different numbers: Civil Code § 1812.85 requires a five-day cooling-off period on health-studio contracts, refunds are pro-rated to what you actually used, and the disability, death, and 25-mile relocation outs are all there. Since July 1, 2025, AB 2863 has required businesses to offer cancellation through the same channel you signed up in.

Most other states have their own health-club statute with a similar cooling-off window and similar medical and relocation exits. Look yours up before you accept a no at the front desk. This is general information, not legal advice.

Life Time pushes two alternatives before the cancel button, and at these prices both are worth a look. You can suspend club access temporarily, and you can convert to the digital membership at $15 a month — which keeps you in the system, and keeps your joining fee from being charged again if you come back.

If you are leaving over price, get the comparison in front of you first: what every gym in New York City actually charges, with signup fees folded into an all-in monthly.

At the premium end in New York that means Life Time against Equinox and Chelsea Piers. Life Time is also a Truemed partner, so it is worth checking whether FSA or HSA money could cover part of what you are paying before you decide it is unaffordable.