If you surrender before completion of the 5 years from commencement of the policy, your fund value, less discontinued charges, will be moved to the 'Discontinued Policy Fund'. The amount allocated to the 'Discontinued Policy Fund', with accrued interest, will be paid out on the completion of the lock-in period. Discontinuance charge will be deducted. If you surrender after completion of the 5 years from commencement of the policy, your fund value will be paid out immediately. Upon payment of this benefit, the policy terminates and no further benefits are payable. Please refer to product brochure for details