Capitec credit life insurance

I am very disappointed with the service and information i am given from Capitec bank i am unable to earn an income from the 1october till the 30 of November 2020 so i visited a branch on the 23september with all my documents to claim from credit life insurance so i was told by the call centre agent that i need to speak with someone in their collections department to make an arrangement with my loan now this is were it becomes mind boggling the lady tells me i must take a payment break so this is what happens in payment break they will add on 30 installments to my loan and my installments will gradually increase accordingly so IL be paying more than what I'm currently paying so my question is why am i paying for credit life insurance it's around R90 per week and it's a weekly payment im paying towards my loan now it's time for me to claim they tell me credit life takes 3to 4 months to get approved what happens to my loan from the 1october till end of November it's going to fall in arrears and i will have to fit the bill for the arrears why must i be responsible for the arrears it's credit life that's taking long to approve i never missed a premium on my loan and every week they deduct their premium but when it comes to claim they give you stories and Capitec Bank is pushing for me to take the payment break so they can ***** me over for a longer period and charge me more interest i refuse to take the payment break i want credit life insurance to pay my arrears amount while waiting for them to approve it is not my problem they take so long so why must i be punished i have laid numerous complaints with Capitec Bank their staff always transfer you from one department to the next some of them are so *********** that they can't even answer your questions or give you a positive answer I'm still waiting for Capitec Bank to get back to me i was told last week it takes 48hours by the call centre agent that was on the 23rd of September 24th was a holiday so hopefully Monday they give me a call then i was told by another lady today sun 27september 2020 it will take 5 working days.All i want is for credit life insurance to cover my installments for 2months and my loan must not fall into arrears that is all i want why do they have to make it so difficult.