Hollard funeral policy *******!!!

I've had a funeral policy with Hollard for just over a year now and was due for my annual increase at the beginning of June 2021. The increased amount went off without incident as I was made aware that it would be coming, through my contract. I was then contacted on the 29th of June 2021 via SMS and informed that my premium would be going up by a further 15%, and this would be done automatically without any consultation. I called their policies department today to query with them about this sudden increase 2 months after my annual increase, that I was NOT consulted about and the first agent told me it was a rebate. When I asked her to explain what that was she couldn't and therefore transferred me to another consultant who told me that this increase is indeed NOT stipulated in my contract but Hollard took a 'business decision'. If I'm not happy with Hollard business decision I can downgrade my policy or find an alternate policy???????? Basically she is telling me that I must consent to an almost R100 increase AFTER my annual increase or **** off. I have paid my premiums for 13 months WITHOUT claiming or incident and this is the type of customer service I receive? Your glorious consultant then told me it would be pointless for me to escalate my grievance to your complaints department because 'they would tell me the same thing'. What kind of ****amamie operation are you running there at Hollard????