Samoan Indie thee most disappointing experience.

I was interested in a Life cover. So I sent in the sms and received a call. I was so excited and everything went smoothly. Until 3 months later. I get an email not even a phone call, the policy has been cancelled because i have not done the medical. The medical exam that they said they would have someone contact me and that i have 6months before the policy is null and void. No one contacted me. I laid a complaint and received the first phone call after 19:00 whilst trying to put my son to bed. Then the following day with a response that they will contact me in the same week. Its been over 2/3 weeks now still awaiting that call. So I decided to cancel my policy and that I would like my money back. No where on black and white in my policy, that was sent (via email) me does it state that I cannot receive all my money back. They said it fell away after 30 days and I do not get any money back. Again not stated in my policy. And again I get told. I cannot receive my own money back. I told them I do not want this policy as I'm paying for no services rendered. No one has contacted me or had the decency to call me and explain what is going on. So I must lose out on what amounts to almost R 2 000. I am a mother of two boys. I do not need this in my life. I wanted this for my children. All I asked for is my money back. And they have repeatedly said I cannot get my own money back. How does that work. They did not help me But cause problems. That money could of been put into another life policy but because it is Sanlam I thought I am getting the very best. But no I am not. Im getting ****** of my hard earned money. Again no phone call no personal touch. No trying to save me as a client. Absolutely nothing but over promises and under delivering. I won't ever recommend them to anyone. I won't want anything from them in the future I am still awaiting the call...