Sorry exflyboy,
I have difficulty taking you serious, you are complaining about Topcover, but you actually didn't sign up for any real coverage. The 2000 USD per month that the AOA pays for is nice and a start, but it's peanuts and not going to pay your living expenses anyway.
If you were serious about a loss-of-income protection insurance, then you would have checked out other options, and very quickly found out that this is as good as it gets. Then the thing to do, is to top it up to get some coverage that you can actually live off. I have personally topped mine up to a 9,125 USD monthly coverage. Yes, it only covers for 5 years, but hopefully that should be enough time to sort ones life out and start doing something else.