Bitterly Disappointed

My husband has been a type 1 diabetic for more than 50 Years. A few years ago I took out an ABSA Instant Life policy (POLICY 292524) on his life, which I have been paying religiously since then. We lost everything during Covid but I somehow managed to hang onto this policy for dear life, only to be informed that this is not a full death cover policy. I was unaware of this and only found out a few days ago. I took it out because I needed something in case my husband dies. Now, I have nothing and ABSA Instant Life says the policy cannot be changed or converted. So basically, I have wasted a ton of money on something that isn't going to mean a thing to me. I'm so sad and disappointed. I thought they might be a bit more accommodating, but no, that's not the case. It was my mistake, but after all the money I've spent I was hoping they'd understand??