How does a policy lapes within one month?

I have been banking with fnb for a very long time so I took up a policy with them (first justice).<br> I have been been paying successfully for the passed three years <br> Without fail. <br> Till last year December when I had a problem with my account.<br> <br> It was to my supress that my policy with first justice had lapsed,,,,,, that was due to the fact that I missed one month payment. How do you do that? Without even notifying me. I found out when I went to fnb needing legal guidelines that I thought I had from you. <br> <br> This is a huge shock never really thought fnb would rub of their customers like this.<br> <br> So if first justice won't cover my case they better refund me so 8 can go open another policy