My life is in danger because of 21st century Life

I am so disappointed in this company I have a policy with them I joined on the 20.01.2021 I was told not to cover myself because the company was under Holland life and I have a policy with Holland life with my daughter as well so I covered my mother and two brothers and sister . I have never received any documents or terms and conditions nothing they just debit my account I didn't have a problem.the problem started when one of my brother passed away I called the Durban branch I was told I don't have a policy with them I must call the Johannesburg breach of I did they confirmed that my policy was active I asked them to check if my brother was covered and the amount of which they did I told them I passed away what must I do they said they will email me claim forms of which I received . the claim forms where from old mutual I so confused now I called them again thabisile was the agent she said it's the right forms she told me that the company was under writers was old mutual i asked why was that not commutated she apologized I submitted the forms back on the 1st of March i received an email saying the process will take 48 hours for payment.on Tuesdays the 07th of March 2023 I called to check the progress I was told to wait it's still with old mutual on Thursday afternoon again I called to inform them that the funeral will be on Friday the lady told me it's still with old mutual I asked if they are still Going to pay she said yes but not today or tomorrow I told tomorrow is the funeral she said I borrow the money it will pay on Monday the 13.03.2023 they are investigating because it was an accidental death I went to borrow the money for the funeral.i and using airtime to call them they will promise to call me back of which it never happens so on Monday I called again to speak to the manager I was told she is in the meeting of which everytime I ask for a manger I am told they are in a meeting from 8 in the morning to 4 pm I didn't give up I kept calling them that day finally got a manger she promised to help of which she did not.my monthly premiums are R328 on the 14 of March i got a eft payment of R328 after the manager said she will assist me now when I call they put me hold or they tell me that the claims department is offline they will phone me back.i keep on asking them is the policy not going to pay they say the policy will pay because I have 63 premiums that I have paid to the company. The company service is very poor.from the the agent to the manager and they still debiting my account when I ask them why are you debiting my account because your said my policy is active anymore they cut the call .I can't even go to work anymore because the person that borrowed me the money wants his money back I live in fear now all thanks to 21st century Life this is now the second month.i honestly need help hello peter.the sad part is that the agents told me to borrow the money the policy will pay my life is in danger. when my sister called them to ask who is the under writers one agent will say old mutual the other one said hollard life I am confused myself because I never received any documents from them. Now all I am asking for is that your pay back all my premiums so I can pay back the loan with intereste I have to live for my children