never had a life cover with my bond,bond was pay

my bond for 30 years is R450 thousand and now my bond is R470 ,and my bond is 2 years and months old, hence my life cover was R532.57 in24/07 2014 and now the life cover increased on the 05/12/2014 to R783.53 ever since its been increasing and I cancelled my life cover with standard bank hoping to recalculate the monthly amount to decrease, only that home loans cannot decrease because I was not paying life insurance, home loans was doing that for me, and home loan consultant by the name of Thandi told me that the house comes with life cover, insurance and the guy by the name of Nkosana called me about the benefits, and I spoke to Kange Henrietta who told me that standard bank made a mistake when the loaded the application not mentioning that the home loans application has a life cover<br> and this is already included in the monthly payment debited in my bank account, and the person who was capturing the application was Innocent. And now standard bank don't want to be accountable for the error they did. Today my account has not been recalculated and im paying double life cover.