Metropolitan ****

So I took R50k funeral policy with Metropolitan back in 2012 / 2013 when I was still single and was paying premium of +-250 so early this year ive added my wife n 2 kids I was suppose to pay premium of +-350 bt instead they continued deducting 250 plus 350 on top which I was paying about 600 so when I asked the consultant who helped me to do additions she told me am not gonna receive my 250s back because is her fault and Metropolitan is no longer giving cash back she'll rather safe her job and pay from her pocket and am like how possible is this???