FNB life

I did get a call from FNB around mid last month to take a life policy. I did accept the policy for a million rand cover. I however decided to drop my policy cover to 4 hundred thousand. I phoned back and the representative told me there was nothing loaded on my name. I told her to make sure nothing was pending and she informed me that the action would be immediate. I took a policy for 4 hundred thousand. Around the 25 July 2019. I was surprised to see a second policy added. I remember the initial cover taken so I did a call back and told the representative to cancel the million rand cover. She was very persistent and gave me a thousand reasons to keep it. I honestly felt very harrased and was like being forced to take the second policy. After some time she eventually tells me the policy has been canceled immediately. I now notice FNB has debited me twice and I noticed that the second life policy is still active. How much more of an inconvenience do I have to go get a life policy canceled. Am I forced to keep something I cannot afford at the moment. I get billed for something which I did cancel and which I did phone to take something cheaper. I wonder if something were to happen to me would my family have to go through even more drama just to get the funds out