Premium Escalation does not tie back to Policy and Cashback

On the attachment you will find my Policy document which stipulates on page 6 that my premium should increase by a maximum of 7.5% p.a. in accordance with my age. The premium escalation letter I received show in my calculation, that the increase is nearly 13%. This has been happening on both my policies since inception. I also sent a few queries regarding the same and nobody has responded. With regards to Cash Back, I have to send in a request for Hollard Life / Altrisk to action and it still takes time for them to respond. One of my policies has been opened on 01 Dec 12, so I am due my Cash Back on this policy and I know it will be a waste of my time to try to contact them.