billing

i opened a policy with liberty life three and half years ago and i have never received the policy documents. today was the day i was given those documents due to they wanted me to take out my son because he is over age. the worse part was to find out that the amount am paying doesn't match the one the policy documents am paying more and the amount of the cover has decreased. so i would like to be payed back my money back and cancel this all my policy what they have committed is Freud