b3 disrespectful *******!!!

Below is the options B3 is giving us. increase your premium and decrease your benefits. what craziness is this. i would like B3 to give me back my money since the commence date is February 2022. they are disrespectful and undermining their clients

Please select an option: 50% increase in premium with no reduction in cover 20% increase in premium with 25% reduction in cover No increase in premium with 40% reduction in cover Required! Should you decide to include the Rewards Benefit on your insurance policy a fee of R40 (incl. VAT) will be added to your insurance premium from 01 February 2022. Your B3 Funeral Rewards terms and conditions will indicate how you may utilise this Benefit as well as applicable procedures, including cancellation. The monthly Rewards fee is expected to increase by 10% annually. Would you like to continue to enjoy Rewards from 1 February 2022 at an additional monthly cost of R40 (incl. VAT)? I hereby confirm that I understand the choices selected above and agree that my policy will be updated accordingly. I further agree that the updated premium will be paid using my current preferred method of payment and that my Funeral Benefits will increase by 3% annually and my monthly Premium will increase by 10% annually. Confirm