MFG funerals you are a ****.

Hi,my mother joined Martin's funerals more than 10 years ago as a pensioner.It has always been that if you skip 3 months without paying your monthly premium,your account lapses.Tgey have made changes and my mother was not informed and now the whole ten years she was paying for nothing due to skipping one month in 10yrs.She is 77rs and sick.How do we even start to explain what happened and at her age where do we start finding another funeral cover?MFG funerals branch in Pretoria you are a **** and have failed my mother who has been loyal for so many years.