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    My parents are both in their 80s and have just fully surrendered a life policy. They have received a chargeable events certificate and are worried about how much tax they need to pay on the surrender. My mother is a non tax payer and just gets state pension and my father is a basic rate tax payer. Neither of them are computer literate and I am trying to help them. As HMRC have been sent the chargeable events certificate by the life insurance company (the policy was cashed in November 2022) Do they just have to wait for HMRC to contact them and how can they find out how much they need to pay - any help and advice would be appreciated - Thanks