You're a fuckin idiot. No, they are just trying to get as much money as they can back before they die.

Them taking your money and finding any pretense to not give it back is the problem.

Any spousal this, waive that is fucked up stupid shit. Give us our God damn money.

There should bare minimum be the option to lump sum everything you have paid in (even that is you taking it in the ass). But it would force them to actually keep a clean book and only play with the fuckton of interest they can make on all that money you invest over your life.