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    1. Whole Life Assurance (WLA), Convertible Whole Life Assurance (CWLA) and Endowment Assurance (EA) policies can be surrendered after completion of three years and payment of premia for 36 months both in PLI and RPLI.
    2. Policy should be unencumbered/ unassigned.
    3. Bonus is admissible only in cases of policy which have continued for minimum 5 years.
    4. Surrender value depends on the surrender factor and type and term of policy.
    5. AEA policies cannot be surrendered in both PLI and RPLI.
    6. You should expect surrender value to be lesser than the premia you have deposited.

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