Hollard false informing customers

For the first time claiming iv received the worst level of service.. I was **** to and misinformed.. If i hadnt insured my mother and father for years i would cancel those policies all together... In February this year i took out a policy for my cousin unfortunately he passed away and his policy was plan b which would b paid out in da event he covered 12 months. The lady who helped me to open da policy clearly stated that should the insured not make it to 12 months the premiums which i had paid already would be refunded just like they do at oldmutual... To my surprise after iv been told to submit all the relevant documents for my refund claim im told i wont be refunded.. I loose all my money.. Why was i given the wrong information.. Was it the consultant wanted to push her sales by giving me false information? From the pathetic service iv received i will never insure anyone with hollard nor will my friends or family.. Your company is a reap off.. Unfortunately my parents are insured with hollard and i wonder if they will even pay out... Dispeakable