FNB Life Policy

I have a FNB Life Policy, FNB INSURE ***, paying every month the premium (R130). I have put a claim in against the policy on 23 October 2025 for my credit card because of retrenchment. Before I send the claim I phone them and they said I must only put my Id Number in the subject line (***). On 27 October 2025 I phoned them, they can't give me an answer yet. On 4 November 2025 Mohammed phoned me and telling me the claim was rejected. On 10 November they send me a rejection letter. After phoning the claims department, asking for Mohammed they put me through from the one department to the other. No one can give me an answer. After phoning again, they told me the claim was approved. Wow, what a relief. I'm starting to phone them to hear when will the payment go off. Again from one department to the other. Suddenly on 21 November 2025 they send me another REJECTION letter. I went to the FNB Woodbridge branch, one of the ladies working at the Reception of the Woodbridge branch said I must send an email to them. So I send and email to the FNB Claims Department. Now I want to know what is the use to take out a policy if they don't want to help you when you need it. The first thing going off from your bank, every month, is the policy premium.