REFUSAL TO PAY OUT POLICY DUE TO INCOMPETENCE

HI. MY LATE HUSBAND TOOK OUT A POLICY WITH OLD MUTUAL BUT BEFORE HE PASSED AWAY IT WAS IN ARREARS SO HE PAID THE MONEY IN ARREARS AND REQUESTED OLD MUTUAL TO REINSTATE THE POLICIES, WHICH THEY HAVE NEVER DONE. THEN HE PASSED AWAY. I'VE TRIED TO CLAIM THE MONEY BUT THEY SAID THE POLICY WAS NEVER REINSTATED SO THEY JUST REFUNDED ME THE MONEY THAT HE DID PAY TO THEM PRIOR TO HIS DEATH TO HAVE HIS POLICY REINSTATED. I'VE FOUGHT WITH THEM FOR MANY YEARS BUT NOTHING HAPPENED. THEN I'VE TURNED TO OMBUDMAN AND WAS TOLD IT WAS TOO LATE TO TRY AND GET SOMETHING, HOWEVER, I'VE TRIED SINCE HE DIED 15 YEARS AGO. OLD MUTUAL HAS BROKEN MY TRUST. WILL NEVER INVEST WITH THEM AGAIN! WE'VE GIVEN THEM OUR LIFE SAVINGS FOR ABOUT 7 YEARS BUT WHEN MY HUBBY PASSED AWAY THEY JUST SAID SORRY FOR NOT REINSTATING YOUR POLICY. HERE'S YOUR MONEY BACK (THAT HE PAID FOR THE PURPOSE OF REINSTATING HIS POLICY.) AT THE TIME IT WAS MORE THAN R100 000. WHAT WOULD IT HAVE BEEN WITH INTEREST 15 YEARS LATER? I FEEL THAT I'VE BEEN ****** BLIND! WILL NEVER EVER DEAL WITH OLD MUTUAL AGAIN. IT'S NOT MY FAULT THEY WERE *********** TO REINSTATE THE POLICY. !