In South Africa, you can also lodge a complaint with the Ombudsman for Short-Term Insurance. They act as an independent mediator and can help resolve disputes between policyholders and insurance companies.
It's also important to note that without a will, your assets could end up in the hands of distant relatives or even the state, rather than benefiting the individuals or causes you hold dear. It's a scenario that no one wants to contemplate, but one that can become a reality if estate planning is neglected.