Bad service

I had an active funeral cover where I paid R370 pm, in 2012, I lost my job in September, called in and advised the financial advisor that I’ve lost my job can I get my money back, I was told that they will freeze my account for 4 months until I get a job and after 4 months my account will lapsed, in January 2013, I called in advising them that my dad passed away and will they pay some of the premiums, I was told that no they can’t pay our bcz I was supposed to pay my premiums monthly, I believe I was taken for a ride, why did they refused to pay out my claims when I was advised telephonically that my account will be freezed for 4 months, R370 it’s a lot of money they need to pay me back