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One doubt.

My cousin has this metlife suvidha par policy where this 26 years policy has 4 lakh face value and 3 lakh additional accidental death benefit.So total 7 lakhs in accidental case and 4 lakh for any other.The person pays 19000 approxmate yearly bonus upto 10 years and already 7 payments done and 8th is due on first week of march.

So far the guaranteed surrender value shown is 46000 something for 1 lakh 33000 premium paid.Also the bonus amount shown s 63000.

So say if my cousin surrenders the policy now will she get

1:: 46000=Guaranteed surrender value only.


2::63000=Bonus amount only.

3::46000+63000=99000 Both guaranteed and bonus amount ?