Services are poor

Good day, I am very disappointed I joined the insurance 2019..2024 and 2025 has been a disappointment,should I die what will happen... last year November I was told my policy was in arrears but I have given them permission to deduct the money monthly...it was in arrears September,October,November which for me were a shock why didn't they deduct.Okay because it's a insurance I payed three payments in November 2024...Still December the arrears were there..I called I was told there is nothing they could do but escalate the matter I waited and waited ..January 2025 I get an SMS followed by a call to say the matter was fixed but one payment was left ...I paid ...the error was fixed....Now the arrears are back saying I owe November,January , December ..how?...I called again Feb 2025 I was told the matter will be escalated even now no call than I called last week still the matter is been escalated... I want to know should a problem arise what am I going to do because they taking their time.