Poor service, refuse to assist

FNB life service is shocking. I submitted claims on my late husband's account since the beginning they had stories about not paying out anything I have been following up daily with the life department every time it's the same story the assessor will phone me to date that assessor did not bother to call me. I keep receiving calls and emails from the estate department that claims are rejected and that the estate of my husband will be held liable cause his policies lapsed due to no premiums received since end of January and the more I explain to them that my husband passed away on the 16 January so obviously there will be no money in his account. I have requested numerous times for his policy schedule and terms and conditions so I can take this up with the ombudsman then I get transferred from one department to the other telling me that they not allowed to send me the documents yet I submitted a letter of authority. The service is shocking I am an FNB client and will make sure I cancel my account with them asap if this is the type of treatment one gets