IS SANLAM SKY A **** OR PART OF SANLAM

I TOOK A POLICY WITH SANLAM SKY CALLED SAVE TO STUDY, AFTER THE HAVE FAILED TO SENT ME SOME DOCUMENTS, I HAVE DECIDED TO CANCEL THE POLICY, BUT THIS SANLAM DENIED MY EXISTANCE IN THEY SYSTEM UNTIL I HAVE EMAILED THEM THE BANK STATEMENT REFLECTING THEY SANLAM SKY, BUT STILL REFUSED TO REFUND ME MY MONEY REQUESTING NONE EXISTING THINGS IN MY CONTRACT TO FINALISE MY PAYMENT,LIKE PROOF OF RESIDENCE WHICH I DON'T HAVE BECAUSE I DONT OWN A HOME. IS THIS A **** OR UN PROFESSIONALISM/ THEY ALWAYS INSIST ON DOES DOCUMENTS SO THAT THE CAN PAY ME BACK.