Very Dissatisfied with 1 Life Insurance

Good day my name is Priscilla dwarika, policy number ***, I am 62 years old and a pensioner. I've had a policy with one life since 2014 in 2017 I was called by an agent I was advised to have a HIV test. I was hospitalized and I was unable to go for for the test. During a 2022 at tp4he office called me and advised me that I need to have an HIV test. A sistr came in and and conducted an HIV test. Please bear in mind of my age and that I am a pensioner I even took early retirement from my work because I could not manage I do not have transport as I live on my own. My husband passed away in in the year 2000 I've been paying this insurance even though I am retired and collecting a pension. I've written various emails asking for assistance and to no avail. If I cancel my policy I will lose out on all the premiums that I have paid because I think during Covid, they paid out a lot of Clains to people that have passed on and therefore they have are changing the policy. They are now advising me that it's not a life policy full life cover it's only 80% of of accidental and 20% life which is which was not what I signed up for. I want all my premiums to be refunded to me and cancel but if I do cancel they will not refund me on my premiums I really need attention here and I as I said I'm getting no feedback from them that they are unable to assist me and I really need some help from you Urgently. I also have no recources and my Son assists me. Your urgent attention will be greatly appreciated.

Regards Precilla Dwarika