Horrible experience and misleading information

I took a policy with Capital Legacy while working for Government Department from July 2022. Upon my resignation end of May 2023, I followed up to make arrangements to continue with the policy by paying through a debit order. I wrote an email to request banking details to continue with premiums.

I was informed that my policy needs to be reviewed since I am no longer an employee of the Department. I was given an appointment which was a month later because the consultants were fully booked. I enquired if this will not affect my policy and was reassured that it will not. The appointment booked was face to face contact. Unfortunately, on that day I was not available for face to face and requested the consultant to have a telephonic session. My request was declined because of company policy. The consultant informed me that I will be contacted for another appointment. I received the call from call centre agent whom I aired my concerns about the decline from the consultant. I still enquired whether the policy is still active and was reassured it is still in good standing. The appointment was set for telephonic consultation.

I received call from the consultant as arranged on the 07 August 2023 .During the review of policy, I was asked questions that relate to my health. This is where I learned that because of my health condition which is a risk to the company, the policy will be paying less benefits to my beneficiaries. I also learned that my policy has long lapsed which I was assured that it was still in good standing

When I initially took the policy I was never screened about my health status. If I could have been made aware I could have made an informed decision. I am expected to pay same premiums for lesser benefits from when I was with Government Department The policy has lapsed when I have been assured that it is in good standing.

I wrote to Capital Legacy to request refund for my premiums for the duration that I have had the policy with them. To date there is no response