WAS THIS A ****?

In Feb 2018, at age 64, I took out a Life CoverGROW policy with PMD, underwritten by Constantia Insurance Company, at R750/month, this being a sizeable portion of my SASSA grant but I scrimped and saved where I could. At beginning Feb 2020 I received an SMS from PMD congratulating me on 2 years of being covered. Two weeks later I receive an SMS from Constantia Insurance Co. stating that as from 31/3/2020 I will no longer be insured by them because they are short term insurers. They have not offered any refund and PMD has not offered an explanation or alternative insurance as I am now beyond the age that any company will insure. PMD did not ascertain whether Constantia Ins. Co. was able to underwrite this policy in the first place and Constantia Ins. Co. should never have taken it on anyway. The matter is with the Ombudsman at the moment, along with many others caught in this ****. I really would like my R18,000, with interest, returned to me.