Bankers Life Insurance Took extra money from my account without permission-would not refund NY NY

The Bankers Life Insurance Company Representative took my wife’s check for 43 dollars at the end of April 2015 and a check for my life insurance for 175.00 dollars. she returned on May 3rd 2015 and said the company would not insure me for that amount because of sugar pills I take so she said they would cover me for 21 grand instead of the 25 grand I wanted so I said ok. On the 8th of May the company cashed my 175.00 check and without authorization took an extra 44 dollars. They would not get back to us or refund the unauthorized amount and said they would only give us back 109 dollars which I have yet to see if I will receive.