Very frustrating dealing with FNB LIFE.

I need to understand how payments made to FNB LIFE are never allocated? The previous payment I made into the banking account wasnt allocated after an entire month. I have just made a double payment, which included the arrear amount on the 27th November. Just on the 26th, speaking to a consultant, I was advised that payments made will reflect after 24hours. And here we are receiving emails and smses advising of a policy that could lapse, even after sending the proof of payment to the fnblife email address. I honestly expect far better service from FNB. Please ensure that my payment of 1760 has been allocated. This makes me wonder how frustating the claiming process might be.