Capital legacy

I'm a pensioner with a small income one little house and two very old vehicles a table and chair a TV and a bed yet after almost 3 years paying a premium of 320.92 and a premium hike every year I reviewed my policy with capital legacy and come to realized there's no benefit in for me or my beneficiaries if I to bank my premium my beneficiaries will have more benefits than from capital legacy My plan states 140 000 rand through wards legal fees no pay out to my beneficiaries paying till death my premium will be like 700.00 per month my taxes won't be more than like 30 000.00 to re-register my house won't be more than 30 000.00 my rates and taxes ain't more than 2000.00 a month Upon my death it pays 16 000.00 after nearly 3 years I had paid nearly 9 000.00 this ain't realistic I really need to know what to do here? Just loose out on this premium ain't fair either