FNB insurance FAILED ? dismally to pay for my private clients credit card

I had a Private credit card with FNB which I was paying insurance for it incase unforeseen circumstances happen which includes unemployment, dying etc. The agreement was the FNB insurance will continue paying for the credit card. Then when I lost my job I immediately informed FNB of my situation of which they agreed to pay for the credit card that was 2020 till today they haven’t paid. The worst part FNB has sent my name to their lawyers for collection ?. I have been to the FNB branch several times to to try and resolve the issue over the phone but I’m not getting any help. This is frustrating as the lawyers are harassing me and this is jeopardizing my name. I am very disappointed as this is the big bank and I had been paying for my premiums every single month with no fail.