Unhappy client

I took a funeral cover with Freedom life via Shoprite in 2017 and everything was fine. I could make upfront payment with no difficulties. Meerkat took over and all hell broke loose. My policy keeps lapsing with no explanation. I made 4 month's payment in advance, the next thing I got sms that policy is terminated. When I called in I was told not to make advance payment anymore, my policy has been 3 months in advance since March and I continued making payments on monthly date since I was advised to make monthly premium payment. I switched to debit order thinking it might help , still the policy keeps lapsing even though they keep taking my money. Can someone please tell me why this is happening after so many years. Can I move back to freedom life. Rather can I get refunded all this year's premiums. It's really not fair on us as premium payer who honor our payments and we still have to endure the unfair treatment by our service provider.