Worse service

I have been a member since 2016. I have a personal and Business Policy and not once was a claim successful. On the Business Policy the Lawyer wanted to force me to acknowledge a *****ilent contract. An Advocate was appointed and he send a report which clearly indicated that I had a very strong case. Clientele declined my claim. On the personal in AUg 2016 I made a call to clientele legal to enquire about divorce procedure. I was told that my husband is a beneficiary and I can not claim. I was not aware and removed him. 2 weeks ago decided to start divorce proceedings. I was told I can't claim as my husband is a beneficiary. I phoned the Admin Department after investigation Clientele did not remove him as per my instruction. No apology was offered. Again after 2 weeks no respond from clientele legal I contact them yesterday. This morning received a call again same story my husband is a beneficiary I can not claim. After I got very upset she changed her story and acknowledge his removal. but still I can not claim. How many other disatified clients are there. Its time we ask Carte Blanche to ivestigate. Or one of our national newspapers. We are paying money for a service we do not get. The Lawyers play with words and finding every trick in the book no to accept a claim. Very eager to sell. Take your hard earned money there after no delivery.