Worst life insurer - 1 life direct

I have been a 1 life policy holder since 2012. Paying my installments religeously. I was delinquent in doing my HIV test and my policy was made an accidental policy.. I still paid every month. With covid i remembered again that this policy needs to be upgraded to Life policy asap and I went for my HIV test in 2022.

I received a phone call from their consultant that everything was in order and the policy is now re-instated to a life policy.

In May 2024 I received another call from a 1 life consultant urging me to go for a HIV test so my policy could be changed to a life policy. I wanted to know what she meant.. she informed me that the policy is only an accidental policy.. This had me livid.. so i dropped the call.

I called the next to enquire and was inform that the information is correct and the policy is an accidental policy only. I wanted to know what happened to the previous HIV test and the upgrade to Life... The answer was that they could see i did the test but they not sure what is going on.. I was referred to email the complaints department which i subsequently contacted.

A lady named Tracy responded to my email and informed me that the policy was not accepted as i did not disclose all medical informations. I am a diabetic, diagnosed in 2011 and always disclose this information.

I have requested the recordings.. as we are always reminded of in order to prove that i did not disclose this information.

i believe that 1 life is only looking for a way to get out of covering for a life policy... as it is much easier to accept money for an accidental policy which would not pay out if you die of natural causes... And after all this, no one informs you that you not covered for Life... imagine

i have informed Tracy that i would like to be refunded for all my installments since i did the HIV test.. still awaiting a response..

1 Life is the worst.. and i will surely take this further if i do not receive a response