Joined Cases C-355/18 to C-357/18 and C-479/18: Judgment of the Court (Third Chamber) of 19 December 2019 (request for a preliminary ruling from the Landesgericht Salzburg, Bezirksgericht für Handelssachen Wien — Austria) — Barbara Rust-Hackner (C-355/18), Christian Gmoser (C-356/18), Bettina Plackner (C-357/18) v Nürnberger Versicherung Aktiengesellschaft Österreich and KL v UNIQA Österreich Versicherungen AG, LK v DONAU Versicherung AG Vienna Insurance Group, MJ v Allianz Elementar Lebensversicherungs-Aktiengesellschaft, NI v Allianz Elementar Lebensversicherungs-Aktiengesellschaft (C-479/18) (References for a preliminary ruling — Freedom to provide services — Direct life assurance — Directives 90/619/EEC, 92/96/EEC, 2002/83/EC and 2009/138/EC — Right of cancellation — Incorrect information concerning the detailed rules for exercising the right of cancellation — Formal requirements for the declaration of cancellation — Effects on the obligations of the assurance undertaking — Time limit — Lapse of the right of cancellation — Possibility to cancel a contract after it has been terminated — Repayment of the surrender value of the contract — Reimbursement of premiums paid — Right to remuneration interest — Limitation)