no service over the holidays

I have been trying for 2 days straight now to talk to someone at customer service about my credit life policy. they have put me on hold for more than 20 min twice Phones ring and then just cut to silence. sending me to contact Hollard and then back again and still no answer on my question of why I need another life policy if I already have one in my private capacity in case of, this policy costs 13% of my total instalment every month