Early termination of cover to avoid paying my Paybacks

My 5 year Paybacks are due in October 2019. I requested cancellation of policy effective 1 November 2019. On 27 September Discovery canceled my policy effective 1 October thereby automatically canceling my Paybacks as well as leaving me without any Life cover. I phoned 30 September asking to reactivate the policy. This was not done. I am a contractor. No work no pay. I can't risk not having any Life cover or Income protection. If my paybacks are not paid out I will refer this matter to the Ombudsman.