Mortgage bond protection cover

I'm very disappointed in the manner which FNB have handled my plea to get my mortgage bond cover policy documents... To cut the long story short i have been retrhenched at work and i have a homeloan with fnb and paying the fnb life insurance policy which they deduct an amount of R384 every month but to my surprise today when i asked for my policy documents they taking me from pillar to post and after that they telling me I'm not covered for retrenchment on my policy so my question is if i die life covers pays and if i dont have means to pay for my bond then what hapoens? So this tells me that fnb wants to repossess people's houses if they no longer afford to pay, i also have a personal loan with fnb so when i asked about the retrenchment cover they said I'm covered... Why would they cover a personal loan and not the mortgage bond this is unfair practice from fnb and they want to see people homeless i can no longer afford to for my bond or can they refund me back the policy money i have paid over the years then I'll see how i pay my monthly bond as this cover that i have been paying for for all these years doesn't benefit me during this pandemic times