Stay Away from Momentum

My mom took out a policy with Momentum 11 Years ago. Her premiums this year were about R450pm. After reviewing this policy she finds out that it will pay out only R222.000 should she die and should she want to cancel it it will pay out only R22 000 (I guess they will keep the R200 000, GREAT hey!) Today she receives an email saying that due to the inflation rate they will only pay R17 000 if she cancels the policy now. After 11 year hey!