3months waiting period after missing one payment

good day <br> <br> i currently experienced a bit of a delay in my bank account that resulted in my policy payment unpaid<br> then i received an sms from hollard that i should reply to for the consultant to contact me to make arrangements <br> same day i received a call from a guy i do not remember his name he told me i can pay for February and march that was in march and i missed February payment i agreed however he told me about the 3 months waiting period which i did not agree to that was one month missed <br> <br> he then told me he would get his supervisor to call me as he was in a meeting up to to date i have not received any call from anyone from hollard which now this is April all i needed was clear understanding as in how many times do they try to collect the missed payment from their clients as i only received one sms and one call nothing written to say they will cancel my contract if the funds are not available <br> <br> are they now waiting to cancell my contract this is my mothers policy and they just do not care as the consultant i spoke to was so eager to cancell the contract <br> <br> please help this is soo frastrating ive been nothing but a loyal client to hollard and this is the service i