Cheated and ******

I have a policy with Dignity since 2018. The one time I try to put in a claim in July 2021,the claim is declined. I went into their Uitenhage branch to submit my claim and was advised I have 2 outstanding premiums. Upon enquiring. It so happens that these premiums are 2020 premiums. As per their policy documents. If 2 premiums are missed. The policy will lapse. A lapse as per my understanding is a cancelation. However Dignity did not cancel the policy. They did not contact me. They continued deducting premiums. I then went to pay the outstanding premiums. I paid after death as I was not even aware of the outstanding premiums but now they are declining my claim for that reason . If you refuse to pay my claim. Please refund my premiums from the last day of the lapse. I feel cheated nd inconvenienced. This is not how you should be treating your clients. Some urgently contact me.