For policies with premium payment other than single pay, the surrender value can be acquired on payment of all due premiums for at least 2 full policy years. (comparepolicy.com)
For regular & limited premium policies, surrender value can be acquired on payment of all due premiums for at least 3 full policy years. (comparepolicy.com)
Life members shall have and enjoy the same rights and privileges as active members except that they shall be exempt from payment of dues or assessments. (rivma.org)