You're welcome to your views and many have posted similar doubts, including @Sheryl whose opinions are much respected, on other threads about WRLife. This thread is about pooling experiences of using the company, not scaremongering.
I'm not cancelling unless my broker advises me to. As he recommended the policy, I doubt he will, although I will mention your concerns at renewal.
Now you've made your point, why not let this thread run as it was intended?