Worse policy cover to take out with Sanlam iCOVER

I took out a funeral cover with Sanlam iCOVER i app**** for it on-line in 2014 i have never claimed form this policy till todate. I was retrenched from work this year Feb 2017 i asked them to give em a holiday premium they refused even though other Insurance Companies granted me the holiday premium. Not only did Sanlam refused they also refused to cancels my debit order as i asked them to that i will make EFT Cash Payments towards my policy as my UIF Payment for unemployment doesn't have a specific date of payment again the other Insurance Companies they agreed for me to make the cash payment , Sanlam iCover said no they can not cancel the debit order , now they debit the amount at most times there is no money in my account then am left to pay the bank charges for unpaid debit order of R110.00 i did ask the bank to cancel the debit order which they did however Sanlam iCover changed the description thus the debit order goes through regardless. I did write an email to Sanlam Arbitrator on the 5th of Oct 2017 i didn't get a response i resend the mail again on the 7th of Nov 2017 till to date i haven't got any response needless to say the numerous mails i send to ********** also to ********** no response

i would advise no one to ever take out this policy with Sanlam its a disgrace as you can note from my experience with them.