I have had a Liberty Life Medical Lifestyle policy for 9 years now for which I have been paying approx R700 per month. At the beginning of this year I phoned Liberty Life to inform them i was going to cancel my policy and was told by the operator that I would then be paid out about R20, 000. I then phoned back three days later to confirm that I was cancelling and was told by another operator that I was not due one cent as there was no cash value to this contract. I was very annoyed but decided to continue the policy as I did not want to forfeit all the benefits. This month I decided to join Discovery and called Liberty Life and told them I was ending their policy. I did not expect to receive anything back but was assured three times by the call centre operator that I was going to receive R21, 000 back and I must just send the relevant forms. I did as he said and sent the forms back only to receive an e-mail back from a G Chetty to say that there is no cash value. What is wrong with this company? Are they trying to crook me or do their call centre operators not know what they are talking about? Can anyone shed some light on whether I am due money back? This has happened twice!