Surrendering a policy means the policyholder terminates the policy before the maturity date stated on the policy schedule. When a policy is surrendered there is no obligation to continue premium payments as the policy will no longer be in-forced. The policyholder may have to pay a surrender charge and receive a surrender value depending on the terms and conditions of the policy. If you are interested in this option, you will need to present the following documents at any one of our locations:

• Identification for the Insured (Passport, Driver’s License or National Identification)
• Identification for Irrevocable Beneficiaries (Passport, Driver's License or National Identification)
• Original Policy Contract

Note: The irrevocable beneficiaries will be required at our office to complete the transaction. You will be required to complete additional forms when you visit our branch.