AIG POOR SERVICE, I WONDER WHATS GOING TO HAPPEN THE DAY I DIE VRF

I have a funeral policy with Virgin insurance which I took out 2017 while I was working for virgin mobile, I got a new job this year March and they've been debiting me on the 25th I tried searching for them online couldn't find their contact details, I I decided to stop my debit order end October so that they could contact me so we can change debit order dates. I received an sms stating that my policy had been cancelled, I got so upset why would my policy be cancelled just by missing one debit and no one phoned me, I phoned AIG spoke to a guy who told me they haven't been receiving debit orders from my account since August, I sent them all my bank statements since the start on 2020, my account was reinstated after such a draining process of trying to get it sorted. Again this month my account was cancelled due to unpaid debits of which I had instructed the lady to debit from capitec, till today after numerous times of trying to sort this out its still not sorted. This is how these companies end up not paying when we die because they full of stupid excuses of getting simple things to get sorted out. I spoke to a lady today nothing has been resolved I'm so disappointed in AIG that I never even signed up too, I thought I was with Virgin insurance all along. PLEASE REINSTATE MY ACCOUNT ASAP