Old mutual severe illness policy

Old Mutual Policy. Paying ny installments every month. Needed to claim for a severe illness. After about a year of fighting these people still made me pay for the year and said they won't pay out because of no disclosure. They did a year of research to find some dirt not to pay out. Tofay I see thet still took my money after I cancelled with my broker my wife's policy. They are quick to take my money but when it comes to pay they have a million excuses