Absa Funeral Cover Ripp off

In 2001 I took out a funeral cover policy at Absa Insurance for the amount ofR10000 at a premium of R67.70. Over the years I noticed that the debit amount increased yearly but thinking that the increase was due to inflation and that the cover would also increase and keep tread with inflation and thought it was acceptable. I recently noticed that premium deducted monthly has now increased to R279.10 That is an increase of some 312% over the original premium. To my shock I learned that although the premium increased by that amount the cover stayed at R10000. This mean that although I paid an estimated amount of R35000 in installments sofar I or my family will only receive R10000 upon my death to cover my funeral cost. I would expect that the cover amount should have increased by the same percentage and should be around R35000 by now. Because I am over 65 years old I am not able to enter in a new funeral plan and will have to live with it. I think this is an total ******* and Absa Insurance should be ashamed. I never suspected that the bank I have been client off for a long time would steep so low as to rip me off.