OLD MUTUAL ****MED ME

I have been paying a policy for 6months n i was told that 6months waiting period start immediately after the first payment now coming to claims old mutual increases the waiting period from 6 months to 7 months. I want my claim money or all my premiums back. OLD MUTUAL IS A REAL **** NOT TO BE TRUSTED WHEN U LOOSE UR LOVED ONE .. POL*** - REF: [FMEFC***