Unhappy OLD MUTUAL Policy Holder

I am a very sad client of Old Mutual. In all my years I have always taken out policies with Old Mutual. I feel so let down after after a RA policy for over 20 years - Old Mutual do not value loyalty.

Covid19 had caused havoc in millions of lives and us normal working class people have had to rally and fight for survival. The banks helped out with payment holidays so we could plan to survive a lot longer. Naturally I thought I could ask for a temporary holiday and pay a reduced monthly contribution amount for 3 months. The plan was to safe as much money as possible due to huge salary knocks etc. I asked for a payment reduction for 3 months with the intent of increasing back and catch up over the next few month but sadly a " old generation " policy does not allow that. I was not aware of this in my policy. You apparently can reduce your contributions but not increase it back - so in short I lost a lot of potential savings for my retirement because of this. Been loyal to Old Mutual for many years - now this Covid salary reductions + the loss of some savings for my retirement has put me in a situation where I have to work even longer now before I can contimplate retirement. Been waiting for weeks for Old Mutual to review my policy and hopefully give me some feedback.