Liberty life is giving us very bad service

We are a client off Liberty life for more than 20 years. And our whole family is clients off them as we suggested them we were very satisfied with them. They never had a problem with our payments for that whole time. We always paid in time. As for this year from Februarie there was a problem. We did got divorce and someone stole all my ex husbands money in his account. Liberty Life went off but came back unpaid we didn't know and he didn't realize. Then covid 19 happened. This was all part off this whole problem. So from Februarie we didn't hear anything from liberty life and we were thought the money is going off. Now when we phone them they said its cancelled. They didn't notify us. We phoned them now they said we can't pay all the outstanding money and just go on with the policy as we only had 6 months. I ask where did they notify us they said they send a letter to a post adress. My mother is not even staying at the place they send it to for almost 10 years now. Plus no one uses post addresses anymore. I feel that they had to phone us to make sure that we know it's not paid and also when they cancel it. I feel that with this covid and everything they can give us another chance. We are prepared to pay a fine if we must. But to loose all that money now and we paid for almost 20 years this is not fair to us. I think they do it to a lot off people. Take our money and don't want to help us. Very very bad service