Claim compaint

I have a policy with dignity group since February 2016, I have two successful claims with them on 2018, my brother passed away last week ,I submitted all the required documents as advised by consultant as per *** . I received an sms stating that my claim has been declined due to five unpaid premiums on two different years one in October 2019 And in three March,April,June 2020 due to covid19 on July 2020 they continued debiting without advising me that the policy has lapsed ever since July 2020 I never missed any payment till March 2021 then they debited for April, May and June. Now my brother passed away on the 22nd of June Dignity is declining my claim and refusing to pay back all my premiums like other companies would do, as I believe that I have finished 6 months waiting period after my policy lapsed in June 2020 as they advised. I am dissatisfied about the service they gave me this is a **************** please assist thank you.