Old Mutual not keeping their promise

<br> On the 24 04 2015 Mdala showed me the income report at retirement analysis and proposal of 2015 I took a policy with Mechack Mdala and the initial agreement was that I'll take R1668.94 a month annually it increases by 4% and if I die before 15 years from now my Kids will be beneficiaries and have that money and then I went to his offices he was explaining to me that this was a fixed Lump sum but he didn't explain to me that if ever I needed the money back I can't take it anymore so moving forward he gave me papers to sign but didn't explain to me he just kept on saying to I must sign without explaining to me or giving me the contract to take it with me home so that I can't read it properly after a year from getting R1600 a month when I had personal problems I went back to him to ask him for the money I invested at Old mutual that's when he said to me I can't withdraw the cash or get any money from that money I deposited cause the terms and conditions says that I can't get that money back but my question to him was last year 2014 when I signed the documents it didn't state that I can't have the money back if I needed to withdraw when I asked him that a