Worst Income Protector ever and bad service!!

Worst company to have Icom Protector with. I hate them wih all my heart. After 2 years of there investigation tbey declined my claim after a fall a had after taking the policy. According to them I did not diclose that I had sprains manny years before, but it was sprain that healed and only many years after that I hurt it badly which resulted in me having to have an operarion. They declared my policy as invalid and therefore if I had no policy then the pemiums I have put into the policy is also not valid and a want all.my premiums back at least simce the claim started 2 years ago. I still paid premiums eventhough tbey already knew they will be declining my claim I am tired of this bad way that people are being treated. I could have put that montly premiun in a savings plan and would.have had much more now in growth. I wasted a lot of money and trusted them that they have my best interest at hart which they did not. 2 years to tell ne this....this is redicilous. I will never recommend Liberty, ever!!