Lapsed Policy

Good day

My name is Michael Rampai and I am a Clientele Life client since 2014, I have a funeral policy with them and according to them I missed 3 months payments and our agreed date for the payments was on the 27th of every month so this week when I checked my policy online, to view a document, then I found out that my policy has lapsed and the date we agreed on has not passed but my account lapsed, so I just wanted help from hellopeter to call them and find out why is it lapsed before the agreed date of the 27th, I know I missed the payment reason being I lost my son on july and things where very bad busy with the counselling and I changed bank from Capitec to Nedbank and I missed to call them to debit from my new account (Nedbank) so when I was going though the rules of the policy it states that if I miss 3 months and it will lapse but I know we on the 3 months but the agreed date has not passed so I really don't understand why it lapsed before the 27th December and I called them to make the outstanding payments for my policy to be active again, (rules as follows)

SECTION C: POLICY RULES l You have a 31-day cooling off period to cancel the policy. This means, from the time we send your policy documents, as long as there has been no claim or you have not received any benefit under the policy, if the policy is cancelled within these 31 days, we will refund the premiums you have paid. l We reserve the right to submit a debit instruction to your bank at any time during the month and to debit your account using any reasonable collection methods. To do this, we may also track and debit your account up to 10 working days earlier than the debit date. Should the total premium be adjusted by us or yourself as a general increase / decrease, the adjusted premium will be deducted from your bank in the same manner. This instruction will remain in force unless otherwise notified by us or cancelled by you, the Policy Owner. l Your policy will lapse and we will stop trying to collect your premium if you do not pay a premium for three consecutive months or after two consecutive disputes. l You must make sure that there are sufficient funds in your bank account to pay your premium on the agreed date. If any debit order is not paid, you will be responsible for the related bank charges. If we do not receive your premium on time, you have a grace period of 15 days to pay it.

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Regards.