Ringtone through speakers, how to turn off.

It's late in the evening / night, you'r listning to chill music on rather low volume, you'r using bluetooth speakers to your phone while reading a book.

All of a sudden the phone rings, and it starts playing the ringtone through the speakers at 10 times the volume of the music.

it's super load and probobly disturb your neighbours, if not perhaps wakesomeone up.

While this happens you can't find your phone either as it's not ringing itself, you get super stressed and eventually run to turn off the speakers, then the phone starts ringing 4-5 seconds after and by the time you find it the person ringing has hung up aswell.

Why does the ringtone play through the speakers, why isn't there an option to turn this off? this is not a one time thing, this happens far too often.

Wouldn't a better system be for music to pause if so and the phone to ring!

Or atleast give us an option to set it how we want, this is litterly making me sell my iphone and get something else, it's a big thing for me, and happens like once a week.