Funeral Policy Policy Number: FI***

So i have a funeral policy with FNB, I missed one premium and was supposed to contact FNB within 30 days in order for them to re-instead my policy however i missed the message which was sent. So, this morning i phoned FNB and i am being told i will have to take a new policy???BEAR IN MIND if i take a new policy i will have to wait for 6 months waiting period. How fair is that?? I have had this policy for more than 4 years and i have never claimed from it and now i being told i have to take a new policy??IF this is not resolved i will be taking the matter to the short-term insurance Ombudsman.