Mislead to sell the policy. Nothing in writing until you agree per phone

Over the phone they tell you that there is no waiting period and only one payment needs to have been made and you need to wait 30 days from signing of contract. When I queried this as it sounds too good to be true, they said that they have done risk assessments and they are willing to take the risk. Upon receiving the contract (quotes are not supp**** and you need to sign up per phone), I found out it is a 4 month waiting period. I was told that they listened to the recordings and I was informed correctly (ie I am lying because they told me I need to make 4 payments). I asked numerous times if they are sure they will pay for my next service next month and assured it will not be an issue.