3Sixty Life bad service

I have been with Dove since uear 2014 December. When I joined their underwitter was Union Life and recently their underwriter changed to 3sixty. So my account was not debitted for the month of March i enquirered with no answer again on April stil no answer so I made an EFT payment, when they finally called they said they do not have my bank account details on their system but how because they have been debiting since 2014. Then they text me to tell me about premium increase which was odd because that would have been a second increase within 6months. I enquired, no answer and finally they called me in may wih no answer telling me they need to investigate till today i have no answer instead the next time they called me they tell me i have 3 unpaid premiums fro year 2018? Meaning if the unforeseen happened to me or my loved ones, They would not have paid my claims though they kept taking premiums on my account. I had to take a funeral policy with another privider and now need to do a waitin period of 6 months which I pray nothing happens to me or my loved ones otherwise I am doomed. It is said that we have businesses like Dove and 3sixty who give us false peace of mind while taking our hard earned money.