*****, misrepresentation and deception for 13 years.

13 years ago my father signed up for a life policy with Channel Life. For 13 years we have been paying the premiums. Recently my father passed away. My father did not have a lot. No savings, no estate. All he had for us was this life policy. The policy was not worth a lot. But it was something...

After our father's funeral, we contacted Sanlam, who gave us Channel Life's contact details. We had to go through Sanlam because we could not find any working contact details anywhere.

When we got through, we were asked how we can be assisted- we informed the lady that our father passed away, and that he had a life policy with them. The lady responded with "we are sorry to hear that sir, can we have the policy number?". We gave her the number, whereafter she said that "it is not a life policy", that "channel life have never done life policies" and that it is only a risk/debility policy.

We are shocked and appalled by this. For 13 years we were under the impression that the policy was in place. For 13 years we paid this. My father always said that he never owned much, but that this was something. Now he is gone, and Channel Life refuses to acknowledge the policy.

We are all heartbroken, shocked and verily deceived.