Lack of communication

Again I have bad experiences with Metropolitan, I have lapsed my policy since 2001 in 2018 for R958

I had also another policy of R61.48 I have been paying since I no longer working I was paying cash payment no longer with debit order. I was actually paying in advance

Today 20.02.2020 I call to find out that my policy has lapsed in August 2019

Today is February 2020 no one told me about it and made aware? Is this kind of how they **** people? I am an unemployed single mother of 3 and that policy is the only one I have should I die my kids will just have only R10 000 and today it is lapsed.

I need clarity and I'm so heartbroken I feel I will never be out of depression soon