Disappointing sad service

This is by far the worst service I have ever had in my life. The agents put a person on hold for 20 minutes not once do they come back and say thank you for holding. I am promised reference numbers which I never get. Your underwriting department make no effort to retain customers which could have been done easily as another provider has legally been able to waive the exhorbitant late joiners fee of over 50% ...and then despite us canceling our policy with you you take almost R10 000 willy nilly... there is so much more to this story DO NOT USE BONITAS !!!