A rip-off from Metropolitan life

In 2020 i took out a savings plan with metropolitan life, the previous year which was 2022 i bought a house the money i had saved went to registering and transfering the bond to my name. I called metropolitan life because i needed extra money for some households, i was assisted by Noluntu Mkhalima she me through the process of withdrawing from my saving whch was not much though. She later advised me to increase my savings inorder to get bigger payment which i did. Along the way i realised that due to the constant increase in repo rates i need to cut out some of my saving. Then i called Metropolitan requesting cancel the saving because i cant afford to save, i spoke to Lakhiwe Motimani he told me that i cant cancel the savings because i have withdrawn from in there is a certain period that i have to wait before cancelling the savings or pay back what i have withdrawn from them in order for them to cancel the savings which didnt make sense to me and he said i must wait until April 2023 for me to cancel the policy, I then called again last week then i was told a different story that i should wait for 2026 for me to cancel or i will forfeit what i have saved from last year until now. What i fail to understand is that when taking this policies we are not informed about what to expect what they care about is to make sales and reach thier target. I really i cant afford to keep up with this savings nor lose my money even if it is 20cent it belongs to me not Metropolitan