Hollard_Pathetic life insurance service

aprox 3 months ago i asked hollard for assistance with a holiday period. the agent,sibongile, advised that they can offer a 3 month grace period. i asked if i would still be covered and i was told yes. i then asked what happens after the 3 months grace period and i was told that after 2 and a half months i must call hollard back and make an arrangememt to pay the outstanding 3 months arrears. i then asked if there was a minimum payment that i have to make for the arrear payment and sibongile agreed you pay what you can afford. I also asked if i will be covered while catching up with the arrears and sibongile said yes. i then opted for the 3 month garce period as i do not want to be without cover at any stage and confirmed this before making an informed decision. i duly called and spoke to Muirhead at Hollard recently to make the arrangement. I told her that i want to pay R500 additional to my normal premium. i was then advised that i will not be covered until the arrears are paid. I then asked that this be escalated. Thabo responded on email and said that he listened to the recording and sibongile was correct im what she said. i then asked on email if I pay a total of R2000 per month including my monthly premium, will this be sufficient and will i still be covered. The response i received was Please note that you are currently covered until the end of December, if you make a payment as arranged with Sibongile you will remain covered as explained below. I listened to the call and the information provided is correct. I still do not have a confirmed answer on my R2000 arrangement and i called hollard 4 times yesterday and once today with no answer but just the automated voiceover. makes me wonder if i am going to lose this policy due to incompetence from hollard employees or should i look at other reputable companies to deal with.