With life cover, if 'waiver of premium' was added, you 'should' have received a report (if you took advice that is) detailing everything. I guess this is your get-out route so if you received this then how would you now reasonably complain. Obviously if you went direct to an insurance company the process might let be so stringent (when compared to what I have to do).
Current -: MW E92 M3 Competition Pack / Qashqai+2 Tekna 1.6dci
Gone -: 370Z GT Roadster; BMW X3 3.0d xdrive M Sport; E46 330i M Sport Coupe; Mazda RX8 231; Nissan 350Z GT Roadster; BMW E90 330d M Sport; BMW E92 335i SE; Maserati 4200; Nissan 350Z; Honda S2000; Astra Coupe Turbo; Ford Probe