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FAIS Ombud

 The objective of the FAIS Ombud is to consider and dispose of complaints by clients against financial services providers in the terms of the FAIS Act.
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Ombudsman for Long-Term Insurance

 The mission of the Ombudsman for Long-term Insurance is to mediate in disputes between the subscribing members of the industry and policyholders.
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From The Glossary »

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Surrendered Cost:

A policyholder’s net cash outlays with respect to a surrendered policy. It is equal to the sum of all premiums paid reduced by the sum of all dividends received and further reduced by the cash value of the policy at date of surrender.
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