changing details on my policy without telling me.

Hi my name is Sibongile Dlamini with a funeral cover from FNB i started in 2002 and have 2 dependants under my name since then i never claim and on Tuesday i phoned and asked for the copy of my policy, guys u wont believe i had only 1dep the other one was removed, what suprising me no one contacted me to this change no one notify me what they did they changed everything, i phoned and asked them who gave them a permission to do that, this was done this year October, for me this is ***** to go through somone's policy and do changes without consulting that person, i know she was reaching the age of 21 but they shoud have phone me and asked or write to me a letter what need to be done, now they telling me to send her copy and there will be 9mnths waiting period which i dont understand as this is not my fault it their fault, please assist and see what went wrong still no one is willing to sort this matter or i need to take it up with the FNB owners