For premium paying term of less than 10 years, a guaranteed surrender value can be acquired on payment of all premiums for at least 2 consecutive years. (comparepolicy.com)
Another bonus rate will apply after premium paying term till maturity. (mydailylifetips.com)
For premium paying term of 10 years or more, payment of all due premiums for at least 3 consecutive years is required to get a guaranteed surrender value. (comparepolicy.com)