1LIFE WILL LOOK FOR ANY LOOP HOLE TO NOT PAY OUT LIFE POLICIES!

I am writing this letter as a request for your help with regards to my mother’s life policy that was taken out with 1 Life insurance. My mother passed away last year 11th of August 2021; I had taken a life policy from 1 Life in 2015 the commencement date was 01/08/2015 when I made the initial call to open a policy on my mother's behalf, I had advised the call center agent that my mother was HIV positive. The call center agent requested to speak with my mother and the policy was active and I have been faithfully paying the amount of R537.36 for 6 years with a pay out of R118,000. When my mom passed away, I had completed the forms to receive the payment from her policy and received a response that stated that they have decided not pay out the policy due to the fact that my mother did not disclose the fact that she was HIV positive, my mother was embarrassed to disclose her status to anyone. I had advised that I had let the call center agent know that she was HIV positive and they advised that my word meant nothing as the policy was not in my name but in my mother's name, the agent advised via telephonic discussion that if they had known from the start that my mother was HIV positive, they would have not taken my mother as a client as she was a high risk due to her age. My mother did not pass away from HIV causes as her CD4 Count was healthy, in fact her HIV Viral Load was undetected and her death was caused by natural causes.

I've received a response from 1Life with their findings and they still of the opinion that their decision was in correct standing when they have admitted that I have called and advised on my mothers status in 2015. They are obligated to advise as the other insurance companies have done so in the passed that my mom is not a suitable client to cover but they wait until she has passed on to do so.