Insurance *******

Last year I app**** for a home loan at standard bank. The loan required me to have a life, diasability and retrenchment cover. I took a life insurance with old mutual which covered me for all the required covers with life and diasability covered for R***. Now the other day I received a statement from standard Bank of my home loan and realise I have been paying for a life, permanent diasability and temporary diasability which only covers me only when something happens and there are no beneficiaries. The cover is upto R810000. So I spoke to Wilhelmina Phalane who insist my cover is not valid because o don't have temporary diasability cover. Mind you I didn't agree to this cover as they stated on the documents that I agreed telephonically to up this cover. They are refusing to cancel it even though my agent resent the old mutual cover o took Last year August. And according to my understanding this is insurance is going to cover until I pay off my bond. Why would I agree to take something that won't benefit me or my child. I'm really disappointed in the service I have received for standard bank insurance department. I've never missed a payment on my bond or my life insurance with old mutual even during this trying times and I feel this is a *******. How to you expect us to be good customers if you don't consider our struggle. I am and always have been a loyal client of Standard Bank but this is not fair. Also I want to hear the recording where I agreed to take the cover.