Cancellation of a policy : Disaster

I did an application of a personal loan last year in 2023 for 12 months, on the application it was compulsory for me to take out their loan with a funeral policy or else they wouldn't assist. So I had to take the funeral policy. Now I have paid up their loan but they continue to debit the money for the funeral policy. I called them and request that they cancel the policy because I Don't need it it was only for the loan purposes. It's been 3 months struggling to cancel this policy. What they doing is wrong, they can't be forcing client to take out a policy however no choice to cancel, what type of law or policy are they using. The policy doesn't even have a beneficiary, yet they continue to debit my account. I made it clear from the onset that I will put a beneficiary on the policy because it's only for this loan purposes after loan is paid up I will gladly cancel the policy. Do we really have to suffer like this to do a cancellation. Kindly cancel and refund back my small amount of money. I need it