If the premium paying term is less than 10 years, the guaranteed surrender value of at least 30 % of the total premium paid will accrue after the second year. (securenow.in)
TATA AIA Secure 7 and TATA AIA Money Back Plus Benefits also includes guaranteed surrender value and bonuses if applicable. (life.indiainsured.com)
In addition, the issuing insurance company may have its own set of surrender charges for withdrawals taken during the initial years of the contract. (amgfunds.com)