Funeral cover cancelation without notice after a missed payment

Hi, I have been with hollard funeral cover for more than 4years now, so in this past 2months i missed my payments due to Covid financial crisis , then they sent me an sms to tell me they have stopped, without calling me or even trying to notify me. I requested for them to call me, they never did, i then called them, they told me that i have missed 2 months payment, so to reinstate my cover i have to pay arrears (which i dont have a problem with) and also the waiting period will still stand, which is 6 months for natural death and 12 for accident(as if i am opening a new cover) .. So my problem is that i have been paying fine all this years, i miss 2 months payments, they stop my policy without notice or a call.. They just send an sms, i even called to try and negotiate, but nothing of any help