Unfair treatment

I had a funeral policy with the above for myself and family,I missed my monthly premium when i asked if i can reinstate the policy they said I can't after i have been paying for years.I compliant to the insurance ombudsmen and they said that i must pay R500+ they will reinstate but its to late for that cause I took out a new plan with a different company. I want a portion of my money back, it just makes me think if i had to claim if we had a death were they going to payout.