Simple Life Insurance Act Article 21

In case of the circumstances in Articles 16, 18, or Subparagraphs 1 and 3 of the preceding article, if the premium has been paid for more than one year, the proposer may, in accordance with the provisions of this Act, apply for a refund of the entitled non-forfeiture value.Where Subparagraph 2 of Article 20 applies and the premium has been paid for over one year, the insurer shall make the non-forfeiture value payable to whomever is so entitled.