claim dispute

I have a huge complaint with Hollard Life Insurance, I have had a policy with the since 2013 and the policy has been running till February 2019 when i had changed my pay off date and banking details so I started missing payments to a point that the Policy lapsed and i re instated the policy at a branch in Midrand and while re instating the policy I specifically asked the guy named Braden if are there any waiting periods on re instatement , Braden insured me that this is an old policy its been more than 5 years being a member at Hollard so there wont be any waiting period for re instatement now I want to make a claim , they telling me about a re instatement waiting period and on the day i did the re instatement there was no acknowledgement form of terms and conditions of the re instatement process which proves my point that these guys at the Midrand Branch said to me there is no waiting period so, Who's at fault here me or their consultant because i was given false information and had i known about the waiting period i wouldnt have bothered in re instating the policy . please Hello Peter help here bcause Hollard whenit wants our money they withold information until one has to go and claim and thats when they come to the party and tell you all these things, I never signed any acknowledgement form of the re instatement process because they gave me false information and now who must suffer ? and its not fair i have been a loyal customer at Hollard since 2013 even now i still continue to be