Momentum and broker

Hi i would like to share my experience about my life cover disability and chronic cover that i took out with momentum life in 2011 i took out a cover after my divorce i trusted my broker completely so i answered whatever questions he asked me at that time i did not fill out the forms myself nor did i check what he is ticking of on full trust i signed the documentation last year 2017 i decided to claim on my chronic and disability as my condition was worsening i have retina ***mentosa my vision was at 0.4% and 0.5% so i decided as i cannot work anymore or do anything much let me claim on my cover so that at least i could get some help with going on with my daily life be aware that there is no cure found for retinitis up to now i contacted my broker and he told me that he cant get involved nd i should submit my claim directly to momentum i did that .after 11 months of continous paperwork and stalling i got a answer of they are not going to pay me because of non disclosure by me on my sickness and that i have athritis nd joint pain nd also that i had a catarac operation they offered me a little sum of thirty thousand rands to compensate me for my premuims i asked them to plz investigate further coz according to me no question were asked on previous ailments nd if i did go to the doctor it was just for normal aches nd pains but nothing serious nd i was told to disclose that also nd because i had not disclosed they will not pay me out i have time nd time again nd again answered them that i only signed the documents trusting the broker to see that everything was done in a correct manner i informed the ombusdsman nd they also came to me with the same story as momentum i have asked them to investigate the broker also but i have not heard from them yet i paid a amount of +- of 3700 per month for the last 7 years momentum offered to give me a life insurance again but the company will exclude the chronic nd disability benifits is this now fair to me my sickness my disability the insurance was taken out in 2011 and i found out i have retinitis in 2015 nd when i took out this policy i was sent in to do a medical via the company they accepted my medical an billed me monthly so if my medical showed i am clear nd clean on my health than how is it possible that they refuse to pay me my money the broker never asked me these questions so i could not answer them now it is said that the reason for nonpayment is non disclosure this is daylite ******* and explotation of clients that trust this company and the brokers i am very unhappy about all of this and the shocking part about this is that if i dont carry on following up none of these people will get back to me service like this is the worst i have seen and now me as the client has to suffer nd so do my kids to coz now they have to lead me to wherever i need to go to drive me to shops nd doctors and hospitals i cannot even go out sometimes as i am so depressed and scared of falling down and hurting myself all because of this company called momentum for not doing the right thing nd taking my money this type of answer from momentum i did not expect as i trusted them to be a reputable company and i also trusted the broker completely but after what i am going through my advice is to everybody DO NOT TRUST THE BROKERS OR THE COMPANY PLEASE or you to will be left helpless like me