Waste of Money

Having paid into an income protection policy since 1998, it was only last November that I became ill enough to actually need to use the policy. All of the paperwork came promptly enough, and then ....wait, and wait, More questions, paperwork requests, interpretations of my illness, ...were the 2 sets of questionnaires completed by my GP not enough ? More personal questions. When i reply again, I also add my frustration to the length of time this is taking, now 4 months without a penny, another letter saying they are waiting for a reply from me, despite my answering a few weeks earlier, apparently my letter had been logged with the complains team, not the medical claims team. Then the breaker, since becoming self employed, my income varies a little, and is less than the sum originally insured within the policy, so I can expect to receive a lesser amount than I am paying / insured for.
I took this policy out when I was on a salary, i've been self employed for nearly 9 years and this policy IN NO WAY is suitable for my needs of today, I got sent some policy information a few years ago and from the basis of that, assumed I was still covered for the £14k or so basic salary, how wrong I was.
I doubt very much that, when prompted, Pheonix will look at and possibly revise my premiums, or even offer any kind of goodwill for the level I appear to have been un-knowingly over insured, it's all in the small print folks, and they wont explain it to you. Once this is settled, I will of course be looking at other schemes, I can't stop paying them as I wont get this policy settled will I. ??
I am now 7 months into my claim without any sort of benefit. This was supposed to give me piece of mind in the event I became ill, in short, it has added to the stress and depression that I found myself victim of in early November 2016. Pheonix ... your policy needs to burn in the fire, as you certainly won't rise from the flames in my book.