The correct answer is D. Surrender value paid on surrender of an endowment policy by the policyholder.
A survival claim is a claim that is made when the insured person survives for a certain period of time. This can be the maturity date of a term insurance policy, the reaching of a milestone under a money-back policy, or the diagnosis of a critical illness.
A surrender value is the amount of money that is paid to the policyholder if they surrender their policy before the maturity date. This amount is usually less than the total premiums that have been paid, and it may also be subject to a surrender charge.
Therefore, a surrender value is not a survival claim, as it is not paid when the insured person survives for a certain period of time.