Standard bank policy

In 2016 a consultant call me and offered me an illness life policy, and explained to me that it will only pay out after my death and only if the cause os illness. Early this year i wanted to increase the policy, then i aaked the consultant if the policy is still for illness, to my suprise she said it is an accidentally policy and it only pays off if i die because of accident, i was so suprised to hear that, becaude all i know was the policy is for illness, Ohk then i asked if can they change that or transfer my policy details to life insurance or illness as from the start she said they will have to cancel the policy and i would not be able to get any money and i must opened a new policy, So i want to know where my money goes and why they can not echange it to life insurance.