Ignorance on a serious matter by Standard Bank

I have a home loan with Standard Bank that doesn’t have a life cover policy and I have tried to engage Standard Bank for assistance with no success and until I decided to go to Old mutual for such a cover. Now Standard Bank have declined the policy I ceded with reasons that it does not meet their criteria of a ‘retrenchment cover’ of which I am a government employee who are never retrenched in South Africa. Be that as it may I canceled the said contract policy and requested Standard Bank to help me with cover since they have their own protection plan of which I thought will be more convenient but I am not getting help regardless of endless calls I am making to them whereupon I am told that someone will contact me which is not happening. This is frustrating me since I have also app**** for debt consolidation from them, the process that has just stood still because home loan protection policy is also a requirement hence I am not coping financially and this is causing me a lot of stresses financially and psychologically. Most importantly I want this policy for convenience for my family should I die. I have even tried to lay a complaint at the bank which is not being resolved.