2 Life covers

Hi <br> I have been paying for 2 policies to 1Life. I was under the impression that the other one is a disabikity cover. So this morning I decided to contact them and enquire. I just found out that I have two life covers 1 for R250 000 taken in 2010 and the other one is for R500 000 taken in 2013. Now my argument is why would a consultant call me again or how did this happen. I dont want 2 life covers it makes no sense. I would rather increase the premium of 1 policy and cancel the other one. However what happens to the payments I have made over the years. I asked the guy from the call centre to get one of their consultants to call me so that I can resolve this. I feel this is ****************.