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1. When will benefits become guaranteed?

2. After how many years can I surrender my policy? How much would I get on surrender? I mean
would I get only the premiums paid / premiums + bonus / sum insured?
3. If I miss the date of 1 / 2 premiums, what would be the consequences?
4. For how many years do I need to pay the premium considering the 6% rate scenario?

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