B3 Insurance Poor service

I was a loyal customer of B3 from May 2017 till June 2018 the reason to cancel my contract is because their service and communication is so terrible. In December 2017 my mother in law passed on whom she was the holder of the policy and I was the payer but unfortunately during that time the policy was not matured as they have advised that to me when I tried to claim, that the maturity of policy is 8 months then I let it go.In February 2018 I contacted the branch and head office wanted to understand that why are they still deducting the contribution for the deceased and H.O said nothing on their side shows that theres been a claim and I was adviced to submit the claim,I did as requested and the Branch also adviced that I must fill in the refund form as it will take 4 weeks to be processed.After some few days I was contacted by the Bloemfontein Branch to replace the deceased and I asked to be given time as I wanted to insure one of my family member but I was told its impossible it has to be me cause the dependant will be affected, when I went back to ask about my refund I was told that those contributions they cant pay it out as it falls under my name and I contacted their H.O to my surprise they said nothing that shows that I submitted a claim for my mom the name that appears its me and the dependent. To date Im still waiting for H.O. response regarding the matter.I ended up cancelling the contract without being satisfied and all my contributions down the drain.