ALEXANDER FORBES IS A ****

I lost my daughter 2 years ago,25 July 2021, she had a policy for myself & her daughter who was 7 when she passed. AF made me sign a form that they had already marked off how monies would be distributed when I asked I was told it was marked at AF offices. I was meant to receive a lump some and monthly payouts for my granddaughter but I was told the full amount would be paid to me as the guardian as AF does not keep monies that are under 500 000 ZAR. I've never received a lump some instead every month I have to fight with either a Cynthia, Kgomotso and lately Dodo about why they haven't deposited the money, they don't pay the child's school fees until you get to your breaking point, right now the child's fees are not paid, I had to struggle, get loans just for her to get the necessary things for the beginning of the year. They only send me R1600 every month if they remember to for food, clothes, extra mural activities basically to live off, she was even pulled out of extra science lessons as I couldn't afford to pay them, when I asked who can survive from such a small amount they told me they can't do anything about it as the trustees cannot send a higher amount cause this money must last the child 18years they dictate how & when I'll receive money but they never send it they even went as far as telling me I should take the child out of her current school as it was too expensive. I asked who asked them to change the initial agreement of depositing the full amount yet no one can answer me. I've been suffering ever since I lost my daughter who was the bread winner, Alexander Forbes is a **** the pray on your loss, you never see who you talk to even the complaints department Chastry does not help, they send you round in circles asking for paperwork that they know you won't understand what they mean, when you ask for help they take weeks to respond. I'm fed up with this company. My granddaughter is not enjoying her school experience, she hasn't even received her first term report as they closed for Easter today. Every year we are at war😠😠😠😠