Life style protection plan

Hi<br> I was sold a lifestyle protection plan in 2003 that was told to me that this would protect me against any loss of lifestyle due to disability/accidents only to find out that this is not the case I have paying 12 years on this policy with all false pretentious. The current amount that I pay is R1062.02 and I only be covered if I I'm totally disabled, this is then not a lifestyle protection but rather a disability policy. If I land up in a hospital and cannot do the job that I'm currently doing I can still answer phones and therefore Liberty life will not pay out. Liberty have been taking money off me for the past 12 years under false pretentious.<br> <br> Please be care full of this and please do not make the same mistake as I did the blame falls on the Liberty and all the contractors agents for not warning there customers and therefore *****ing money with false pretentious.<br> <br> Regards<br> Johan