You can apply for either a partial or full surrender of your policy.
You can partially surrender your policy when your policy has accrued a positive surrender value. If you partially surrender your policy, the sum insured and corresponding benefits will be reduced accordingly, and the policy will continue.
You can fully surrender at any time after policy inception. You will receive the surrender value (if any), and the policy will thereafter end. The surrender value is made up of a guaranteed surrender value and terminal bonus, if applicable.
We will also pay you any accumulated cash benefits you may have chosen to leave with us. Any policy debt and interest will be deducted from the amount paid.