Lapsed policy after policy holder passed on

Hollard by far is something else, firstly my mom (policy holder) passed on after paying for this policy for almost 20 years after she passed on hollard took their sweet time to pay ok fair enough, after hollard says I the 'beneficiary" should carry on paying for my dad who is the only one left on the policy with the amount they use to pay for both of them, cool because it meant so much to my mom I carry on paying now that I come across that they sent to my dad (elderly) when I enquire they say policy has lapsed with a credit amount because it was paid after August....I am speechless ka hollard thanks for nothing by far I might not have a favorite but hollard is definitely a no go...