Vote of no-confidence in Old Mutual

I have had life cover with Old Mutual since 2011. In 2016, while on a call to my financial advisor at Old Mutual, she casually mentioned that she could offer me greater cover for X amount. Apparently, it was a special rate for existing clients only. I consented to it because she made it sound that easy. Not once did she ask me any questions about my health or issue any questionnaire regarding my health status then.

In 2018, with the whole Momentum debacle, I went to check up on my cover. Now, I was diagnosed with asthma in 2018. Prior to the diagnosis, I had problems with being out of breath ( something I saw my doctor for on more than one occasion) but was told to just cut back on my smoking. I didn't think to mention this when I took out the additional cover because there wasn't a concrete reason/diagnosis for my shortness of breath nor was it something I experienced to a great degree/ regularly. Had I been issued a health questionnaire though, I would have mentioned it since it would likely have been a question. I, of course, informed the insurer about it in 2018. They asked me to go for various tests at my own expense so the cover could remain intact. I feel duped because it has become an issue now but when we took out the cover they didn't need to know about my health status then apparently. The financial advisor, when I brought this to her attention, acted very nonchalant and uncaring.

I've been trying to cancel the second death benefit for close to three months now. Countless phone calls (waiting times were on average twenty minutes), countless emails, countless reference numbers, promises that my request would be escalated. ....and I am still no closer to making any progress. I am disgusted with Old Mutual and the way they treat their clients. I will strongly discourage any of my family members, friends or colleagues to do business with them.