Accomplice for ****ming schemes

Hollard and PEP is an accomplice of ****ming innocent elderly I took a policy from PEP store that says Hollard when I'm faced with debt of my Father I need to claim they can't process my claim because they say the Policy is underwritten by Hollard but they claim that I'm under TBFs insurance company that I know nothing about...South Africans we need to be careful of such ****s