Bad service and day light *******

Bad service. 1. Clients are wrongly informed by agents to get people to take policies with Sanlam. 2. ********** policy terms and conditions. Retirement age is 60 for female and 65 for males how do you set a non payment on policy at age 75? For someone who had the policy over 10 to 15 even 20years?How do you expect them to pay till age 75? 3. Staff not trained and not informed about anything. 4. There has been a claim since last year of cash back on policy of 11k till today it's not paid and no word from sanlam and when we claim again a year later we were told its 13k last week Friday after we spend 2hours at the branch and we were told the policy doesn't have cash back or investment only to find that whoever that was assisting us was wrong. 5. Today a5 days later Sanlam told us that we can no longer claim 13k but 7k but funny enough they say we should not complete a new form with the new so called available amount...how do I send through supporting documents to get 7k when I signed a form for 13k? 6. Branch staff are sales agents who are not based in the office and they know nothing about assisting clients neither do they have access to the system they always have to call head office which also have agents who are clueless about what they are doing.