Unjustified premium increase

If you have a policy with Union Life as funeral cover, your premiums simply increase. The premium was increased on 1 March 2017 and now again on 1 December 2017 from R515.00 to R620.00 for funeral cover of R31 000.00. No increase in the cover amount. This is a funeral cover I took out for my mother. I have paid R31 000.00 in premiums to date already. You can't make the policy paid up. If you stop it you lose what you have paid in and they can just increase the premium to their heart's content and the FSB allows this????????????