Vap grouplife premium ****

I have a personal loan with wesbank so the day the loan was approved about 2 years ago they forced me to take the insurance on the loan, what wil cover me in the case of disability and job loss they called it salary protection, VAP PREMIUM GROUPLIFE COVER, so now that i need it and asked them to activate this insurance they now want to cancel it, no pay out or assistance on missed payments for this time, if this insurance does not cover anything why do i pay an extra 500 rand om my premium for something thats clearly no benefit to me, this is a big **** watch out people, i know i am not the only one thats been ****med. It ads up to a lot of money for nothing return the premiums or insure what u said its for, stop adding arrears to my account.