bad service

I took a Hollard insurance policy on 2019 January for my father and they started debiting my account on February on the 20th , my father went missing on the 7 February 2019 ever since the police and family were looking for him and the policy kept on deducting cause i didn't know where he was , we then find his head on 2020 February and the rest of the body was found 2020 August then because we couldn't identify him because it was bones and we had to do DNA the results came positive on 2021 March and we buried him on the 13 March 2021, so today hollard says it says it will ONLY pay premiums , but no one knows that my father was dead and i kept paying the policy i really need the full payout it is not my fault that he went missing on Feb and found dead