INVESTO POLICY

This is the 2nd time I am sending this issue to Hello Peter. I am a 60 year old African female who took out a policy with Momentum, I thought this policy was the same as a pure endowment which I could make paid up, cash in or leave it to run till maturity. I had a near fatal accident in September last year which left me with high medical bills to pay therefore I wanted Momentum to stop the policy and pay me the proceeds thereof in order to deal with these personal issues. I was told by Momentum that I can make the policy paid up but can only get the proceeds next year. Emails and conversations between myself and them went up and down until I was asked to complete a form so that my case could be presented to the FAIS complains forum. The sitting happened on the 11th of this month. Yes I signed the original document, but were the details explained fully to me? NO I would not have taken a policy with restrictions such as those. Was the follow up to make sure I knew what I was signing for? No. My questions is why are they not making sure that we understand critical issues like pay outs, etc. Why was I asked to complete a form for FAIS complains? I was promised feedback after the 11th.