Hollard insurance and pep they are robbing people of their hard earned cash.

In 2014 I bought a funeral policy at pep for the elderly, and it was underwritten by Hollard life insurance. I have been paying my premiums until today I received a message that my policy has lapsed due to non-payment, I called in trying to understand what is going on and the Consultant that I spoke to said I missed 6 payments in 2018, 2019 and 2020 and they can't re-instate it. I don't understand how is it possible that I was not notified in 2018 when I missed payments even in 2019 and only now and how is it possible that I was able to make payments when I have missed other payments. The other reason I was told that the person insured is above age. The consultant said I need to produce proof of payment to show that I have been paying and honestly speaking I haven't been keeping invoices because I thought when I make payments it should reflect on their side. I feel like Hollard insurance together with pep store wants to cheat me of all the money that I have paid since 2014 and they also said I cannot get my premiums back. I feel like this is so unprofessional and it's a ****************.