Unhappy client

In December 2018 my husband took out a policy for me which the premiums were to be paid by me monthly, after paying for more than 8 months I got an SMS stating that I was a premium behind. I then went to Philani Valley branch to pay, only to be told my policy has lapsed therefore I need to pay R250 penalty fee then reinstate the policy but all the premiums that I have paid won't be taken into consideration. I demand to see the manager, but a supervisor instead was called and she couldn't give me satisfactory explanation as to why the policy had lapsed.