1. What is the surrender value of these shares?

2. A surrender value may not be available if premiums have been paid for less than two years.

3. Your surrender value will be equal to the bid value of your investment account as at the working day immediately following the receipt of your request for surrender.

4. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.

5. You can surrender your policy for an immediate cash payment called surrender value.