Your money is not locked in and there are no surrender charges on a properly designed policy.

  (3) The landlord shall not recover possession of a dwelling unit except: (a) In an action for possession under subsection (2) or other civil action in which the issue of right of possession is determined;(b) When the tenant has surrendered possession of the dwelling unit to the landlord;(c) When the tenant has abandoned the dwelling unit.

Asset protection in case one of us getting sued (I think it was a BP podcast episode where a lawyer told the story about the son hitting someone with the car and the family of the kid that got hurt suing them and them having to surrender their house.)

As if you purchase the property and update the kitchen from simply an out dated look that is not necessary but is recoverable.Essentially, if you get served a redemption notice you have to put together the line item costs that the redeeming party must pay to you in order for you to surrender title back.  

Please confine yourself to your home pending summons and surrender your Pro Member privileges indefinitely

Without proof she surrendered the property she might come and ask for her stuff back.The next item is turning it over to a collection agency.

The Tenant surrendered the Property on or around March 13, 2023.14.

This, all without surrendering any financial flexibility since you have access to your available balance (limit - principal) at any time. 

Never, ever surrender a whole life policy.

Three years after the auction they can surrender their tax certificate and get a tax deed.