.................................................. Understanding Surrender
Commitment and maturity of mind are needed for real surrender to happen. You need not surrender to God or any Master. You can surrender to anything. Surrender itself is a virtue and has a great power in itself. When you surrender, you are acknowledging that there is a life force greater than your ego, that's all. So God is only an excuse for you to surrender.
The act of surrendering is what is important. God is not the goal; surrender is the real goal. When you surrender or when you lose your ego, you are no longer a separate entity from Existence; you merge with Existence or God. You will then understand that there is no God sitting above. There is only Existence that fills everything in this universe of which you are a part.
A Master is a device to help you surrender. Surrender does not mean that you are dependent on someone. It simply means that you are taking their help in dissolving your own ego.