RIDICULOUS MONEY MAKING SCHEME TARGETED THROUGH FNB
I wouldn't even give it one star.  I have never received any correspondence from this company since I joined.  Started querying the product with FNB (as I obtained the product through them), with no feedback from either party, for about 6 months.  
FNB don't even endorse this product anymore, but kept on deducting monthly premiums from my account, without correspondence that they are no longer in partnership with them.  
This is robbery... for years we pay our premiums, but when we query this, and ask for cancellations, there is delays, with further premiums being deducted. 
Didn't even get one cents worth out of premiums paid for probably well over 5 years.  Add that to your bottom line. Can't even cancel a policy retrospectively as requested. 
This should be reported to the FAIS Ombud...