Unhappy upgrade

I was contacted by a sales agent because I was due for an upgrade, I clearly stated that I was unemployed and dependent on my spouse for income with that said I mentioned that I would not afford anything beyond what I am currently paying. We(sales agent and I) went through different options until I was told I could qualify for contract of R335 (insurance excl) which was lower than current which is R352(insurance incl.). Asked about the options of insurance and it was said that I had to do that myself so I went about finding another cellphone insurance.. To my surprise I get an invoice from Telkom stating that R438 is due for next month..

I am confused and frustrated because all the questions were asked confirmation of R335 and the insurance part. I am unemployed and now bound to 2 different insurances because I was told the new contract does not include insurance.