Check with your insurer. Call up customer service or your agent.

Either one of them would be in a better position to give you an accurate answer more than anybody here.

1. Do you mean your policy has matured? Or do you mean your policy has been running for about 6 years?

2. You get your survival benefits if your policy matures before you do. Or at the end of the policy term.

3. If you have your policy with you, it will spell out for you exactly what will you be entitled for at any point in time.

4. Over the years, there has been some changes in calculations, products, etc.

Maybe you can mention the name of your Policy, from which company, bought which year, then somebody here would be able to help you better.

hi netcrawler, if you surrender your policy, you will get the amount of all 3 combined less any premium due + loan interest on premium due

yes netcrawler, you will get all 3 combined. you get the figure from your eConnect right? if i remember correctly, you try to see if you can request for "Discharge Voucher" of the plan. the Discharge Voucher will state the amount you will get upon surrendering the policy.

I do agree the term Net Surrender Value here is confusing. The Net Surrender Value is the fraction of amount deduced from your basic sum assured (not including any bonus be it survival bonus or cash bonus). I'd done this many times for GE policyholders and I'm ex-GE agent. So yet that's why i know. Just recently helped my friend's father out on this matter too

Life Insurance itself already has Death Benefit and TPD payout benefit as what I mentioned earlier. also you can provide more details for us here to generate proposal for you. Age, gender, smoker/non-smoker, occupation
hi netcrawler, whether to surrender or not, it really depends on what your concerns are. we can't simply ask you to surrender solely because the return isn't impressive. the main concern when it comes to insurance is to mitigate certain financial risk that we might face should uncertainties happen. have you discuss this with your GE agent though?

it depends what plans they are - Traditional (participating plan) or ILP (non participating plan). if your plans have bonus, then it belongs to traditional plans.

for traditional plans if you stop paying premium, when you surrender, it will be total amount less any premium due + any premium due interest. the policy will only lapse if whatever amount inside goes to 0 because of large amount of premium due.