pathethic service from frank insurance

I have had the worse service ever from Frank insurance, I took a life cover for my brother about 5 or 6 years. not a disability or dreaded disease,, just a life cover and my brother passed away this year august in his sleep. The only reason I took with frank insurance because they were underwritten by standard bank and liberty but now I'm not sure about them either.

my claim that I pay with frank insurance at the moment is over R700 a month and im still being debited as well, I made a claim only to be asked to sort out his medical form by a doctor, I advised them, my brother only went to hospital for his leg which was also years ago, he hasn't been to any specific doctor,.

The consultant Yumna is arrogant, she says well they have to investigate how my brother died and if its due to the leg injury, I gave her everything we had from the doctor, the B1663, the medical form which clearly states my brother died in his sleep and before I got the medical form done, I asked Yumna will this be sufficient enough and she advised it should be but they also want the last page of the B1663 to say how he died yet she has everything which states he died in his sleep and she never asked me for hospital records. It going into 4 months now, I spoke to Yumna 2 weeks ago and I asked so whats happening with the claim, she then says it still with the accessor from the 06/11. I asked her what's going on and she says they want hospital record now, and the last page of the B1663 still cos they need all the info and I asked why didn't you tell me get the hospital records for you cos I asked if you needed anything else and she says they have to request on their own and that takes long because my brother also has been to hospital for his leg, which was years ago by the way,

so I told her I'm claiming for life cover not disability and my brother died in his sleep and now you'll complaining to pay, I asked her if they requested the docs from the hospital and she said no, not yet so they basically trying to drag the entire claim. Making it out to be like my brother died of his leg problem.

I spoke to Yumna 2 weeks ago who said she will see what's happening with the claim and I must still get the B1663 last page yet she has everything else and she hasn't contacted me since then, I haven't heard from frank insurance anything about the claim till now and according to the doctor, the home affairs keeps the last page and that's why they give death certificate to say natural cause but frank insurance insists, they still want to know what's the natural cause and we did not do post motem because the ambulance came and the doctor and said he died in his sleep, no signs of anything else.

I am so frustrated as we pay so much for insurance and then when it comes to claiming , the insurance companies don't care and on top of it have attitude instead of assisting. they increased the premium every year but never ever increase the amount and still well get attitude

The worse insurance company ive dealt with thus far.