FNB Funeral Cover

2017 January I took funeral cover with them, I covered my son with R30 000 myself and my spouse with R10 000. Last November I added my niece with the cover of R30k. To my suprise I contacted FNB to give them full ID numbers for my beneficiary and the other 2 members, then the guy who assisted me advised that my son and my niece can't be covered with 30k while I'm covered with 10k. I then told him that I thought the law only affect the new covers bcoz I have heard about it, again the same law was active when I add my niece bcoz I also wanted to increase cover amount for my 6years son I was then told things changed. I then asked the guy about my refund, he insisted that my premiums are going to decrease of which I also advised him that I'm aware but I want my refund I can't just give my money to the bank. Again I spoke to other 2 consultant and I also asked about my aunt who is covered with higher of which the lady advised me that it's allowed bcos she's an adult. I asked her if she mean anyone who is older than me can be covered with higher amount but her respond was not clear. Last person I spoke to the person by the name of themba if I recall very well and he advised that I'm not suppose to get refund instead he will log a query for me to reverse everything because I'm not supposed to be affected but nothing happened. I also advised him that something happened to my husband and I feel that FNB is actually doing day light ******* by decrease cover amounts and premiums without refunding their clients. I need refund or everything have to go back to normal.