Miss representation

Took out a Income Protector Fund in 2003 with a payout of R250000. In November 2019 due to a shoulder op they reduced the payout to R235000. Now when the policy is supposed to pay out they have reduced it to R153000. Discovery acts like Old Mutual and Sanlam did in the past with your Endowment and RA. Promise you a big payout but you get a third of what they promise.