What Percentage Of Whole Life Policies Are Surrendered? 
The answer to this questions depends on what length of time you are talking about . If the policy is terminated in the first couple of years the event is not called a surrender but rather a lapse . After this point it is considered a surrender . There is considerable variability and debate over this number , long term of the answer appears to be somewhere around 80 % . Keep in mind that a surrender means that the policy holder received cash when the surrender took place . Whether or not he or she received more cash than he or she put in is not a statistic that is tracked and available . 