Mr. Max Kassitta, married to Marta Kassitta with two children, had two Insurance policies, one a "life policy" with OMS Mutual (valued at N$ 850 000) and the other a "work accident insurance" with Barney Insurance Co (valued at N$ 350 000). As an employee at RTS Constructions for 15 years Max Kassitta was required to have his Accident Insurance with Barney Insurance Co through his company RTS Constructions that paid the premiums through deduction from his salary. RTS Construction had the habit of applying for insurance for all its workers. After 15 years in existence, RTS Construction merged with BFT Construction in 2018 to form a new company called ONGEDIV Constructions. The merger had to be concluded by November 2019. In the merger process, RTS and BFT Constructions who had two different Insurance habits, promised to streamline their insurance policies after the merger and all workers of ONGEDIV Constructions (Pty) Ltd would be required to renew or transfer their insurance with a new insurer called ZTX Insurance Corporation. This renewal or transfer would be helped by the company (ONGEDIV Constructions). On 28 December 2019 Mr. Max Kassitta, alongside other workers, applied through the company for his new Insurance with