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Surrender of whole life policy or not?

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My mother has just finished paying premiums on her Whole of Life with Compound Bonus policy.
The company, Aviva are offering the opportunity to surrender. Should she take it or not?
Sum assured: £10,560
Amount of life cover: £24,000
Bonus: £10,700.53
Surrender value: £32,135.49

What bonuses or guarantees is she likely to lose?
Is there any tax liability?
This discussion has been closed.
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