Standard bank

I've been paying my Home loan insurance up until 2014 I settled the house hence im no longer working. I've been trying to cancel the insurance ever since I've found a better one but I was told by the consultants that it is impossible to cancel it ever since I've been paying the insurance but it's not decreasing instead it keeps increasing badly ,I've tried complaining on numerous occasions but they can't assist me instead i get sent from pillar to post