Never been Assisted for months

I'm Mrs Reddy nd I pay my husband's life cover. For months on end I hve been calling nd mailing nd asking for assistance with His policy nd they won't assist me. They tell me they need to speak to him, so I've been saying, call him but they don't. I cannot afford the premiums as my husband lost his job this year nd I missed a months but got up to date after much perseverance with 1life. I need an affordable premium and need to change it but it's as if they don't want to assist me, like I'm a ***** or a *****ster. They are ****** debiting my account, they hve my details but refuse to assist me. Can somebody pls pls assist me? This is the worse worse company to ever deal with. Their customer service stinks. If I cancel the policy I stand to lose all that I hve paid, I want to change the insured amount due to affordability and they don't want to help me.