Will I get my premiums back?
Yes, we expect many people to get more than their premiums back, depending on your age when you take out a policy. The younger you are, the more you can expect to get back.
This is because there is more time for your Wealth Bonus to earn compound interest (growth on growth) and start to grow exponentially (more and more) over time. If you're older, it's unlikely that your Wealth Bonus will grow in the short term to get bigger than the total premiums you pay.