Endowment changed to Life

I'm very disappointed in the service. I took out endowment insurance 32 years ago. The Sanlam advisor selected "maximum cover" on the policy which changed everything. He didn't explain to me that if that option is chosen that my policy will have no value at all when it comes to payout time. After several enquiries about this, I was told that this endowment policy changed to a life policy. This is not what I app**** and paid for. Apparently my premiums paid weren't enough to cover the death benefit and they had to take money from my savings or growth to cover that which cause the endowment policy to have a R0 value. Even the disability benefit I had expired a while ago because of the premiums not enough to cover everything. I don't understand why all of this was not explained to be when the Sanlam advisor sold the policy to me. I was just told that I'll get a huge amount when the policy is due to pay out. It's the same as selling an endowment policy now showing on paper that it will pay out an amount of R10-million for R1000 per month after 32 years. The option "maximum coverage" will be ticked and come payout time, it will be worth R0. Who wouldn't do that? I bargained on that payout the help with my retirement. Now I'm paying almost R700 per month for a R200k life cover. No use in stopping the monthly payment now, at least my wife will get something if I die before November 2024. That is if Sanlam won't come up with some or other excuse not to do the payout. I saw plenty of people complaining that Sanlam does not do payouts when due.