Funeral Policy Concerns

I am very unhappy with how Capitec conducts business when it comes to their funeral policies. These past couple of months I log in to check my policy and no arrears. Now in April I find an apparent arrear on my account for January, of which I made a digital payment as I saw in that month that i missed that one payment for the month on the 7th and I made a payment on the 9th. Now they come back ad say it is for the arrears of Dec - that never reflected. In Feb this supposed arrears also never reflected but now in April Jan shows in arrears and not even December. So how do I trust this type of service come the unfortunate event of my death or my daughter's ? I have no issue paying as I have been and in Dec there was funds in my account and because their debit order did not go off one can assume it is due to the policy maturity that gives the benefit of a free month. Because I had funds in my account, and they didn't debit and no arrears reflected ever how do I now get a message that I am in arrears. This is very upsetting and concerning.