A ******* insurance company

I have a funeral policy with clientele, on 11 December they deducted premiums not on the date agreed upon and therefore I reversed as I still needed that amount to live for the few weeks before month end, deducted without notification. <br> <br> As a result they never debited for December and January, I made a call and was referred to call account. Contacted account this morning 10/02/2016 in order to find out what's the problem and she explain that the debit was stopped, now I wanted to pay for the two months and continue with the policy and they advised I need to start all over after paying R362 for 5 moths. My question is does the policy lapse in two months and seemingly clientele is just a ******* insurance company.<br> <br> If they do not want to reinstate my policy I request that they refund all the monies I paid for 5 months and I will look for another insurance company, that will have communication with clients prior to taking any action. So all that is important to them is the well being of clients its the money that we pay.<br> <br>