Refuse to give back my installment on Funeral Policy I have cancelled.

I have cancelled my funeral policy to economise my money whit a cheaper policy + Life policy. The Monthly instalment for the funeral policies I have cancelled already went off the 25th and I want a refund on it because you pay in advance now I have paid for something I don't have. They refuse to give my money back. They just say no refund. That is not cool. That is basically *****ing from me. Payment for nothing something I don't have.