Bad service

BAD BAD BAD BAD BAD SERVICE. WRITING ON BEHALF OF MY DAD. THEY HAVE BEEN WITH B3 FOR 20 UEARS IF NOT MORE. DILIGENTLY PAYING PREMIUMS ON TIME BUT RECENTLY RECEIVING SERVICE AS IF THEY ARE BEING DONE A FAVOUR. MY DAD IS THE MAIN MEMBER OF THE POLICY BUT CANNOT CHANGE THE BENEFICIARY EVEN THOUGH HE NEVER CHOSE THE BENEFICIARY AS A BENEFICIARY BECAUSE THEY WE UNDER AGE WHEN THE POLICY COMMENCED. SO MY DAD ASKED FOR HIS POLICY TO BE PRINTED BECAUSE HE WANTS TO FILE IT BUT WAS TOLD THAT HE COULD NOT HAVE THE CONTRACT (EVEN THOUGH IYS HIS POLICY AND IS PAYING THE PREMIUMS) BECAUSE THE SO CALLED BENEFICIARY NEEDS TO SEND AN EMAIL STATING THAT THEY DONT WANT TO BE THE BENEFICIARY BEFORE HE CAN GET HIS POLICY PRINTED. THEIR POLICIES HAS ALSO BEEN TRANSFERRED TO A NEW UNDERWRITER BUT THEIR COVER WAS REDUCED WHILE THEIR PREMIUM INCREASES AND WE DID NOT RECEIVE ANY NOTIFICATION OF THESE CHANGES. HOW ARE YOU THE MAIN MEMBER BUT NEED PERMISSION FROM A BENEFICIARY THAT YOU NEVER SELECTED IN ORDER TO MAKE CHANGES OR GET A CONTRACT. THIS TYPE OF SERVICE IS UNACCEPTABLE