MY LIFE INSURANCE HAS INCREASE TWICE THIS YEAR

I AM TRULY FED UP WITH THE SERVICE FROM DISCOVERY LIFE. I GET NO CORRESPONDENCE WHEN THE PREMIUM GOES UP, ONLY MAILS WHEN THERE IS A SHORT PAYMENT. I HAVE REQUESTED THAT THE VITALITY PAYMENT ON THE POLICY BE TAKEN OFF OF R185.00 YET NO RESPONSE. I WANT TO KNOW WHAT AMOUNT IS PAYABLE BACK TO ME, AS I WANT TO CANCEL THIS POLICY, AS MY HISTORY WITH DISCOVERY HAS NEVER BEEN GOOD AT ALL!