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Forma uno de los valores garantizados en las pólizas de seguros de vida que generan reservas matemáticas, que consiste en el retiro del importe que le corresponde de la reserva matemática al contratante según el Cuadro de Valores Garantizados de la póliza respectiva, la que queda anulada. En general se puede hacer efectivo al término de tres años de vigencia ininterrumpida del seguro.
