Unfair and unnecessary policy requirement

I am very much disappointed in how standard bank insurance runs their business, my wife vutomi Malatji took a homeloan with standard bank and which is started debting in January with a high insurance premium when we decided to move away from them to another insurance company we are told the insurance policy its a must to have a retrenchment cover on in which these for us its not fair and unnecessary as its only for 12 months and when i check with my family members whom are on std insurance they dont ve a retrenchment policy as a must with that i feel like my wife is being treated unfairly so with that fact all we need is to see know why us? ,we dont need retrenchment policy as others dont ve it, as things stand my wife is also willing to move these new home loan to sa homeloan or fnn as they dont ve such policy calculatr R400 over 240 months over a cover of 12 months thats are robbing game