Policy lapse, only option?

How is one a client for 12 years and paying R1300 pm. My dad was recently declared unfit to work after suffering multiple heart attacks. He received a percentage of his living lifestyle policy which basically covered a month or two to survive. He has no income and reached out to liberty to inform them he cannot afford the policy any longer.

Is there really no other way to benefit in some way from the insurance after 12 years? Is the only option really to lose out on years of payments?