Old Mutal Insurance, what a ****!

Hi folks, please don't ever but I mean ever!!!!! take any policy with old Mutual!!!!!!! We took a disability policy in 2001 for my Mrs that we have paid now for 24 Years. We submitted a claim more than eight months ago, yes people more than eight months is how long it took them to find a reason to repudiate the claim. She unfortunately had to stop working as a result of health issues in 2020 and after a near scare last year she decided to get her affairs in order and discovered the policy. We contacted Old mutual and explained what happened and first of all they sent us the wrong documents to complete, you can never get a hold of then and you have to follow up all the time as you receive no correspondence from them! Eventually they came back and said that the documents supp**** by them were incorrect, so they sent us the correct document and the agony of starting the process started again! Needless to say, they then came back to us with clause that as a result of my Mrs not informing them that she stopped working in 2020 they "unfortunately" can't honour the claim as a result of breach of contract, quite funny as the original consultant we spoke to said that they might just back date it! So, for 24 Years we have been paying this useless policy only to be shot down when you submit a claim and once again it took them 8 Months to do so!!!!!. Who in their right mind that had stage 3 Cancer and as a result of treatment with a huge operation and receiving treatment afterwards that lead to stage COPD will remember an exact policy they took out 19 years ago? The treatment we received from them from the word go was absolutely shocking throughout the whole process, the worst service I have ever experienced in my life. Why do they always get away with this? If someone knows of something that can be done, or someone that can assist please let me know.