Be aware for your Hollard funeral policies with NO maturity values, no matter how much you've paid

After several phone calls and e-mails to Hollard regarding my funeral policies, which at this stage i'm paying more than what the policies is going to pay out should i claim one day, i was informed that i cannot upgrade 2 of my fathers policies due to his age. My complain, unhappiness and dissappointment in hollard's service is the fact no-one even contact us to offer a upgrade on these policies knowing after a certain age nothing will be able to change on the policies, but they are very eager to contact us to take out new policies. I feel its very unfair that i must pay more than what i will be able to claim. My sister is in the same position so how many more clients are out there in this same situation???????