Policy termination query

I have a retirement inequity which i stopped paying a few years ago, i was sent a statement, and on stated i am allowed to terminate my policy and a fee with be charged, i agreed sending a confirmation email, docs were sent to complete with my bank details and copy of my ID, then a few days later i received an email saying I can only claim it when im the age of 55 years, why go through all the process then tell me they cannot terminate the policy, yer its my own money i want back. I had a claim with them about 14 years ago and they found every excuse not to pay me as well. One of the worse insurance companies to deal or invest in ever.