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Last year July I took out a funeral cover with Capitec Bank, I work construction in and unfortunately my contract wasn't renewed and I found myself unemployed. I tried to keep up with my monthly premiums and I unfortunately ended missing three. I recently got a job and went into Capitec in Alberton with the hopes of re-activating my policy.

I was told that I would be unable to do this and would have to start a new policy. When I enquired about the premiums that I was paying in the other policy, I was informed that by not making my premiums I had thus forfeited that money. I explained to the consultant that this was something I hadn't been informed of and that I had another policy that had just paid out my premiums after a similar incident.

I was told that that is not how Capitec's policy is structured and that I should go home and read my contract again, as there's nothing they can do to help me.