BAD CUSTOMER SERVICE

I have had a funeral policy with metropolitan for soo long paying about 2500 monthly from the little salary i was getting. I Lost my job last year, and was advised to pay atleast one premium within 3 months so they can reactivate it, but because i was not working, i was told that unfortunately the policy will be cancelled and i can restart it when i am ready but being aware that there will be waiting perioda again, which i agreeed on. Now that i am ready to restart the policy i am being told that my Grandmother is now over age and cannot be addes back and that was not communicated prior to the policy being canceled, had i known i would atleast have tried to pay her portion on the policy. She is the one who have been causing me more than 1000 premium from the 2500 and now i am being told she cannot be added back and that was never communicated. I was told i can restart the policy with waiting periods. And they are also refuding to atleast refund me the premiums i have paidso i can atleast save it and restart the other beneficiary. I am very unhappy with Metropolitan and the treatment i am getting from them