BAD SERVICE FROM FNB LIFE INSURANCE

So I put in a claim in March for my 2 personal loans with FNB Life as I went on maternity leave and my contract ended at the same time. The claim was approved and paid for 6 months. I am still unemployed and let fnb know and I was advised to send through supporting documents to prove this so thaty loans could be paid for a further 6 months as the protection policy states that it will pay for a period of 12 months of u employment. I sent through all the documents mid Aug and followed up every week on the progress. I was told on different occasions by different agents different stories. 1st told the claim was approved then the claim is in progress etc. Early October I was told the claim was approved...it was paid however the money wasn't allocated to the loan accounts as yet and she will escalate it for me to see why it hasn't been paid. I phoned probably around 20 or so times and spent over R600 airtime and been kept on hold for 20 to 30 to 40 minutes at a time and sometimes my call gets cut with no assistance. So yesterday I was told that the claim was rejected due to me being on contract. According to their policy if you on a contract they only pay for 6 months. Now mind you my loans are already in arrears and FNB personal loans already contacted me for payment. I then spoke to someone at FNB Credit Life and the gentleman I spoke to said that he doesn't understand why my claim was rejected as according to him if you unemployed irespective if it's from being on a contract or permanently employed the claim should be paid. Now this is the first time I heard the claim being rejected due to this. So now this guy Thapelo he is so helpful and has requested that his manager call me back because when I phone the claims department no1 can assist. And when I ask to speak to a manager the manager is never ever available for the past few weeks...can you believe it ...he's either in training or in a meeting...how convenient! Anyway so I'm waiting on this guy to call me back. Mind you my credit profile is obviously affected by this now and it's almost month end for the next installment to be paid and still this hasn't been resolved. I hope someone can help me as I'm at my wits end with these people! !!!