Immoral Insurance

I have 2 policies with IUA and Hollard for my wesbank accounts. I have clearly stated that I am self employed and have rejected my claim saying that I am not retrenched. Another rejection says i have earned income which is a lie. they claim that the policy will not pay is if I suffer total loss of income but that is not what it said.The policy said they will pay if I suffer loss of income not total loss of income. Immoral insurance adds words as they go along to avoid paying yet they enjoyed taking money from me