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Why is your services so pathetic? Your financial advisors only care about making a sale and afterwards there is no consideration for their clients. Your staff simply do not know what they doing. My dad contacted yourl on the 26th of Feb to find out what's going on with his policy as he could not get a hold of his financial advisor. Of which he was notified by your staff that a document needs to be signed because his policy lapsed (this was due to the lock down period). My dad had been making premium payments throughout and hadn't missed anything. On the 26th your staff never mentioned that from March 1 the policy couldn't be reinstated. Is your staff simply ***********? Could they not of stated it that the forms needed to be submitted otherwise the policy would be forfeited? My dad received the reinstatement forms on the afternoon of the 26th. He called in again on the 1st to find out if we can do away with the adviser and if we changed our policy payment to a lump sum, how much would it be and when would we have to pay it. Your staff member mentioned at that point that our policy lapsed and couldn't be reinstated but it would go to upper management and they would call us in an hour to let us know. There was no response from your staff. My dad called in again later that day and another staff member mentioned that this issue is still with management and they would call back. Surprise surprise, we didn't get a response from yourl. My dad called in again later in the week and your staff member mentioned that the policy will be reinstated and we need to just submit the documents. We did that and now yourl say that it can't be reinstated. WE WANT ALL OUR PREMIUMS back plain and simple. My dad has been making payments for this policy for years. This is because of your staff incompetence that we have this problem! This is ****************! Is this how yourl are ******** your clients during covid?? We have the names of all the staff members we dealt with throughout. No one seems to know what they doing!