********* behaviour

I have started paying premiums for a specific cover in February 2017.It initially started off with over R2000 a month and then periodically increased to over R2500 a month and then finally over R2800 a month.I religiously paid these debit orders for a considerable period of time and it all adds up to a substantial amount.I was diagnosed with a certain condition and to my shock and horror was told that I could not be covered for my condition even though I know for a fact that it falls under the scope of my cover.I decided that I am not going to pay my premium henceforth if I am not getting the benefit I rightly deserve.However I want a second opinion from management before I pursue alternative channels with dealing with this matter I know this could cause large scale disrepute for Old Mutual but if forced to I will.I also have not paid the premiums of recently but I want reassurance that I will be covered and any outstanding premium owed can be deducted from my lump sum due to me because I refuse to take a chance paying high premiums only to be refused at a later stage.