Not willing to assist with refunds

On the 23rd of August I wrote an email to cancel my policy , due to being unemployed and unable to afford the monthly premium.Yet, money was taken off my account for the past 2 months due to a cancellation form that was never received via email, yet Instant Life claims that it was sent .Now they are not willing to refund a R1091 as their policies state that the form must be completed first.An email was sent in writing on the 23rd of Aug, thus the effective date of cancellation !!If you cant even refund the amount of R1091, then I am happy that I dont have to worry how you would have paid me R2m for life cover. Very unhappy about this situation