I'm happy with the service from their consultants however, I'm not happy about their premiums

I'm happy with the service from their consultants however, I'm not happy about their premiums. Each time you change location it goes up irregardless of where you're moving to. You can move from Sandton to Alex then it goes up but if you move back to Sandton it doesn't go down it'll still go up. And they'll tell you it's due to inflation. They leave you no choice knowing that you have paid them all these years and if you leave them then you'll lose your premiums. Even if you have never claimed before they don't take this into account when reviewing your premiums.