BMO Insurance Life Insurance Reviews

I paid $39.39 for 10 years as the initial premium period. Without confirming with me if I want to renew my agreement, they have started taking $309.00 per month from my account. Do NOT use this company ever. When I asked them why did you do without my permission, their response was that they sent me a letter for renewal and since they did not hear back from me, the renewal was started assuming I am okay with it. They sent me a letter to my address that I was living 10 years before which I was not living at that address anymore. That is how this company is threatening their 10 years loyal customers.

Do not. I Repeat DO NOT use BMO for your Life insurance.
My stupidy for choosing this kind of plan.
Just paid $4770.00 after 12 years of $30 dollar monthly payments only to find out that my payout won"t exceed $4500.00

Here is the real kick... I can either keep paying BMO $30 a month until I die and then still get $4500.00. Or I can cancel the plan now and get a refund of $442.00.
You read that right $442.00 that's not a typing error.
Response after two phone calls: " sorry, sir, that's the policy you chose". "we're very sorry". What would you like to do, sir?