For regular contribution plans, upon surrender, PruBSN will pay the certificate account value together with the Unearned Wakalah Charge amount for the advance contribution portion.
For single contribution plans, upon surrender, PruBSN will pay the certificate account value only.
For group employee benefit plans, upon surrender, PruBSN will pay the unutilized tabarru` amount less the total claims paid during the certificate year.
Note: The above payment is also applicable for any claim cases that result in termination of the certificate.