Disappointing

I am so disappointed in old mutual have a policy with them since 2002 I surrenderd my policy due to life cover only plus minus 300 000 it was supposed to be a 3 in one policy to my surprise I was told the policy doesn't exist anymore that's not worth to have in 2018 I should have gotten plus minus 40 000 to my surprise it was less later I decided to surrender the policy that was on the 16 October 2020 with documents was submitted by the advisor on the 29 October I phoned holding on the phone forever I was told they did not work on it and the problem will be escalated for apprpvement and payout then I phoned again then I was told a different stories note that it should have been 15 working days for payout but nothing has been done the consultant told me I will be paid out j33000 now suddenly it's 31 and then this and then at holding on the phone for more than 45 minutes just for the manager and then you have to do the story all over again by selecting buttons then no one answers really i will not even take death cover from this people no communication when it comes to pay out and when you want to speak to the manager he is missing in action they refuse to give email addresses just indicate and tell you we will phone you tomorrow really very very bad policy people