Insurance products

I'm trying to cancel a product on my homeloan, a credit life plan that I didn't have when I took out my bond with standard bank. I took it out a couple of years after only to be told by the bank I cannot cancel because that was the conditions when I took out my bond, also they don't want me to downgrade from full comprehensive to death only. If I want to cancel I need to take out another policy with another institution. Which I'm forced to do and I'm getting a whole lot of paper work that I don't even know how to complete very dissatisfied with the service and run around from standard bank and I have been with them for over 30 years