Insuarances in areas

I have funeral insurances with the bank, which deduct money on the last day of the month. Unfortunately my salary fluctuates and debits order bounced, but i usually pay on the 1st or 2nd of every month through the app or in the branch, for my dismay this month i tried on the app since the 1st,called the head offices even went to the branch with no luck.Can i please be assisted with the way on how to update my policy because death is anytime

I had a very bad experience with capitec insuarance earlier this year, i don't want the repeat of that and I'm not sure if I will even survive it.

Thank you Dineo