R1000 challenge a big Lie

They gave me a quote which is R4 lower than my current premium (am currently Paying R1898, and they gave me R1894), but still expect me pay a once off fee of about R275. If I take up their offer, I would have paid R275 now in return of savings of R4 a month, meaning I would only recover my R275 after about 8 years, taking into account the time value of money.<br> <br> Any sane man can never take up this offer, but still they could not give me the R1000 simply because their premium is low (by R4), but not entertained their once off fee. What happens to comparing apple with an apple?<br> <br> Could they give me the R1000, or a premium that will give me an immediate savings, not after many years