Funeral policies

I have a funeral policy with capitec, today I to my nearest branch to apply for a loan and I decided to enquire about my funeral cover that stopped to debt from my account, to my surprise I was told it lapsed although I have been transferring the money and paying the arrers amount through the app. I requested for them to refund the money I have been transferring to the policy for the last four months since it lapsed and they said its not possible I wasn't informed that it lapsed and on my app it shows its active. I recently called my sanlam policy and I regret it Capitec funeral policy is a repoff period