ANNOYED BY MTN INSURANCE

written so many emails to mtn about my device and they keep telling me they waiting for underwriters to approve or for a signature it is now the second month with the same respond and still nothing and i still have to pay for a phone that is not working it is insured and i don't understand why its such a problem for the collect my device i even took it to the mtn where i bought and they told me i still still wait for the underwrites. if im still gona have an issue can you please cancel my contract im flabbergasted with mtn. now the is the corona virus and thats the next excuse i will get. i need to use my phone urgently if i knew this is the problem i will get with using MTN AND ALSO INSURE IT THEN I WOULDN'T HAVE MADE THIS MISTAKE!!!!!!!