Life cover cancellation

I took a life cover for my late daughter in March 2025 and I was told that the waiting period was 3 years due to her chronic condition . However if she passes away before the end of the 3 years, all the premiums (R632 pm) will be refunded. My daughter sadly passed away end of April 2025 after payment of 3 premiums (March, April & May) & I called Allife several times with no response until I left my details on their website, pretending to be interested in a new policy. They eventually called back & I asked them for cancellation as my daughter was late. However they did not do so until I had to call the bank & only 2 premiums could be reversed. The initial premium deducted in March is still outstanding. This is such a frustrating company with false advertising!