Claim denied

I took a funeral cover with my previous employer 25-May-18. and have consistently paid R323.00 without fail they also increased still paid . On the 25 October 2021 i lost my job and on the 3rd December 2021 i advised the Gurdrisk company that iam no longer with Bayport and need to load banking detail to continue with a cover . i shared my banking details and they confirmed all was in order . i wanted an immediate debit order as per my emails and calls with them , i also followed up on the 4th January 2022 about the none debit order from them . They stated 31st Jan but to no avail it looks like . I have paid for this policy and cannot be ****** by Guardrisk like that . I lost my spouse in June 14 2022 and i contacted them for a claim and was told that it is inactive ? why is this my fault and why is this affecting me 5yrs of paying for a policy and iam treated like this ? i have not been able to follow up on this matter as i have suffered a lot of stress and depression . My kids going through a lot of trauma and medical challenges since their dads passing . I have just follow up now and no help i got from them as well . I have paid over R15 on this and cannot lose as it is their errorWhat I want from the Ombudsman:Please assist with this for the ensurance company to meet me half way or pay my claim in full and also reinstate my cover . i have invested on this plea