Zestlife took Liberty Gap Cover Clients for a ride

I have app**** for Liberty Gap cover and as per Liberty, Zestlife are the sole administrator for their product. I have completed the forms select the options and Zestlife sent me the conformation that I am registered. I than looked throw their terms and conditions, as well as the monthly premium, I noticed what Zestlife charged for commissioning and binder fee every month. My monthly fee of R519.00, R 234.55 is Zestlife charges(45%), Binder fee R129.75 and Commissioning fee R 103.80. Zestlife pays than only R 284.45 for my cover at Liberty. It is clear that Zestlife take Liberty Gap cover clients for a ride. Liberty do something about it!