Standard bank insurance - ********** and *******

I was retrenched in March last year. I app**** for loss of income in March and received feedback that the claim was approved (credit card). To date the insurance has not paid one cent and i get calls everyday from Standard bank threatening me for non payment. I have already hellopeter them and they responded immediately and then all went quiet. I have emailed again and still no response. Now you pay insurance on all of your debts but when the time comes for it to kick in nothing. When i requested that Standard bank try to contact the insurance on my behalf they said its not their problem. I know for a fact that I did not choose their insurance brokers but they refused to assist. Yet they call me at least 3 times a week and i repeat the same story everytime. Please ensure if you have a credit card and insurance that the insurance will cover in the event that you need it. What have they being doing with all their clients insurance money? They are ******* and don't cover you or they just ignore you and hope you go away. Standard bank want me to borrow money to pay my installment even though i have told them i am still unemployed?