FNB is the worst bank

Sadly my experience with FNB has been more and more traumatic as time goes on. Nobody answers calls at fnb life. I have been retrenched since August and they are not paying my loans which I have insurance on. Claims on the app still say pending from 4 months ago. If you go into the bank they put you on the phone anyway, which isnt answered for hours. Now another new year present from them they put debit orders for the loans which my insurance with them is supposed to be paying. After my last review I had someone contact me who pretended to care. He said everything would be fine but after one month, they didnt make any payments and this gentleman is nowhere to be found. Why offer insurance if you cannot deliver to your customers when the time comes for then to use it? #****edoff