failure to communicate

i have a funeral policy with discovery since 2020 to date, my policy is paying via persal on a monthly basis and the reason of doing so is to make sure that i do not miss a payment. to my surprise my policy has not been paid for the past 3 months and discovery failed to notify me. no correspondence from discovery to tell me that my policy has not been paid and now im hearing it has lapsed. i do regard the fact that i should have checked my pay slip but i also feel that discovery should have notified me of this and not even a email. i have a family member who is in his deathbed and now i am told the is no reinstatement to the policy which i find its very pathetic. either discovery pays me back every cent i paid towards this policy or the reinstate my policy and i pay back the overdue funds. this is a dis-service to my part and discovery should have notified me of failure to collect funds.