They dissapointed with the service of Avbob

I took a policy with Avbob in 2018 I have been paying faithfully until June last year there was a small issue with my bank account and I called them to explain the consultant said they will continue as normal from the following month and asked me to make a cash payment for June they never contacted me after that in December I received an sms and I called again they then tell me I need to R560 because the policy has lapsed I did explain that I'm not working at the moment and tried to get the cash together I called them 2 days ago to say that I have the cash I'm willing to pay the outstanding and they can continue with the debits as normal I was told by Grace that they cannot do that and the time has passed ?? I mean doesn't Avbob understand unforseen circumstances? I have paid for over a year diligently and all that money is gone I'm really dissapointed I trusted them and now I'm left without a funeral cover for my parents and no one can help me ?