Unauthorized Debit

I am extremely dissatisfied with my recent experience with 1Life. Moving forward, I will approach interactions with all sales agents with caution. I was offered a life cover, and I explicitly informed the agent that I did not want the policy. After three months of investigations and three deducted premiums, and several follow-up calls regarding a query from July/August, I have now been informed that I will not receive a refund. The reasoning provided was that while I declined the policy, I did not specifically request cancellation. This is highly frustrating, as it is unreasonable to expect me to cancel a policy that I never agreed to. 1Life has deducted two premiums without my authorization, and I am requesting an immediate refund.