In my early article, decided to surrender my GE Dynamic Prolife with Cash Policy. It has been with me for more than 27 years. I originally planned to surrender it years ago but was tied up and other constraints. Finally, I am able to do it this week due to ability to do it more effortless now. GE has improved their process. I am one of the sceptical guy who is worried what I will get when the policy surrendered as it will be too late to find out on surrender. Well, I finally got my answer this week. when i submitted my request and into my bank account. I kept records of most of the transactions. So able to do Return assessment roughly. My XIRR returns is about 3.93%. If I have surrendered earlier by about 2.5 years, rough estimate assuming deducting away 2.5 years of premium, maybe about 4.2%. All this numbers are done quickly with my limited time and knowledge.  ...