Does Whole Life Insurance Have Surrender Charges? 
That is a great question ! While there will normally be some form of surrender fee applied to your policy , unless it is a universal life , or indexed UL policy it is not the often large hit that comes when you surrender an annuity product . If you do not have a copy of your policy to look at , then just call your agent , they can tell you the amount of the charge , and the amount that will be surrendered to you . Thanks for asking ! 