Funeral policy

They lapsed my funeral cover within two months of missed premiums, then called me and said they will reinstate it. I went to pay the December premium only for them to lapse it again in January. I tried to refer them to the contract but the consultant diputed the contract. Here's the extract from the policy contract:

If this policy ended because of non-payment of premiums, you may ask us to reinstate the policy within four months from the last day of the month for which we received a premium, the effective lapse date. All arrears premiums will be written off. The benefit start date will remain unchanged. If a waiting period was still running before the policy is reinstated

No claims that occurred between the period after the effective lapse date and date the policy was reinstated will be paid, unless the claim fell within the 30 day grace period. After 4 months from the effective lapse