SA HOME LOAN (very dishonest)

They are not honest and shift goal posts to benefit themselves at your expense. After paying years of insurance premiums without fail and the time comes, instead of paying out they cancel and amend policy so you don't get the benefits, you start afresh and they want nothing to do with your permanent illness and ill health. Everyone takes life insurance to cover future life's health mishaps. According to them, paying life insurance is a nice donation to them, it won't benefit you when permanent illness happens to you.