Details on Exclusions

I have been trying to obtain one comprehensive document from liberty stating ALL THE EXCLUSIONS that apply to my disability/dread disease and income protection cover. I have been sent a document that refers to SOME exclusions but in the document clearly states that there are others specific to the cover etc. I have been paying my premiums every single month and they dont have the decency to provide me with accurate information on what is excluded in my policy? When I call the call centre they tell me that this information is not available on their system,? The exclusions specific to my policy are not available for them to tell me! This is not open and transparent! I called again last week spoke to a manager at the call centre (can provide a reference number if required) and they promised me that I would receive my information within 24 hours, but still nothing (surprise surprise). I have also been in e-mail communication with a Mr Jappie Molepo for months and have not been provided with this information. What happened to customer service? Are companies just happy to take money and not provide a service? I plan on exploring my options and removing all business from Liberty.