Vitality - An ugly ever changing evil that will ruin everything (e.g. life policies) linked to it!!

It is frustrating and annoying that Discovery continuously change the conditions of achieving some form of vitality status. They conveniently don't tell you that they will do this when they sell the concept to you which HUGELY impacts products selections such as life policies and other that derives benefits based on vitality statuses. I am one that have been locked in their web and wish I could escape, but it will ruin my retirement plans. Discovery is the worst devious and arrogant monopoly entity I have ever had to deal with!!!! I wish I could have a discussion with every new client they take on for an opportunity to warn them of what they are getting themselves into before committing. I wish someone talked to me before I selected Discovery. STAY THE HELL CLEAR - EVERYONE! P.s. Read what the business says about the complexity and instability of discovery products and how this impacts their shareprice - deservingly so.