Hollard PFS

I write this review with deepest disappointment at Hollard. I have a funeral insurance policy with them that is going on for over 4 years now. In January this year I made a claim and they made a payment. I was so happy with their service, they were so quick. Problem started in February when I received a call from one of their consultants who asked me if I wanted to make any changes to the policy & add someone else since one of the beneficiaries was now removed. I agreed and asked that they add one of my cousins. Fast forward to now, I see that when they are making debit orders, there's always two amounts. This has been going on since March. It turns out the stupid consultant who had called me went and opened a new policy in my name with just myself and my cousin as a beneficiary???? Why the hell would anyone who is the one that called me to ask if I wanted to make amendments on an existing policy would go and do that??? Now I learn that there won't be any refunds? If I cancel both policies that will result in me forfeiting the premiums that I have been paying?