Worst customer care

If I had a choice I'd rate zero stars. I signed up on a life policy ( fenomonal woman) in 2009. The policy has a 5 year money back benefit.2014 I was able to claim and nothing happened. No response at all. I fell ill and I did not have the strength to fight for what was rightfully owing to me. I have emails as proof that I claimed. October 2019 I was due for the 2nd money back claim. I registered the claim and explained it was a claim for both terms. After numerous calls and repeating myself to literally dozens of agents the claim was paid out. To my utter disgrace only one term. Back to the phone .spending R100's of rand's on airtime AGAIN...I was informed and promised a call back which has'nt happened. I asked to speak to a senior manager but my call just gets transferred to another agent. Hollard life worst nightmare ever but my premiums are debited right on schedule.