This policy has a 14-day free-look period. If you cancel your policy within 14 days of receiving your policy documents, we will refund you the premiums you have paid, less any costs incurred (if any).
(i) If you cancel before and during year 10, you will not get any premium back.
(ii) If you cancel after year 10, you will get some premium back but not all of what you have paid.
(iii) If you hold your policy till the end of the policy term and do not make a claim, you will get all your premium back.