Unfair service from Hollard

I took a life cover policy with Hollard in 2017 and had no problems with them. I have been paying close to R600 every month. Now the problem is I’m not working anymore as I had to go back to school. So I cancelled my policy last month because I need money for my fees. I called a consultant asking when am I getting my money back. Her response was “you won’t be getting your money because you cancelled your policy”. She further says that I forfeited everything because of the cancellation. I wasn’t told anything when I was taking this policy.

I really need my money back