Being ******** by ABSA LIFE

I am paying for a funeral policy for my mother since 2004. The mail is addressed to me and the payments come off my bank account. In October 2020 I received communication that, essentially revealed, that my premiums paid exceed the value of the policy and that I am not even on record as the beneficiary(despite my mum and I going into a branch in Chatsworth Centre a few years ago and addressing this). It is impossible to find anyone in authority to to assist me make this right. I apparently should have been contacted to upgrade this policy in the 16 years I have been paying - but I received no communication or offers. They are now refusing to upgrade the policy - and if I stop paying I forfeit the policy AFTER paying for 16years. This is ludicrous - I would like someone in some semblance of authority to contact me and offer me a solution to this issue and the instating of me as the beneficiary without my mother having to go into a branch in these times of pandemic.