Metropolitan Letting me down after all this years

I took out a funeral policy with Metropolitan in 1992. It has a low premium which I paid monthly by debit order. It came under my attention that my monthly premiums over the years are exceeding the benefit by far. I contacted Metropolitan to see if I can make the policy paid up or some other solution. I was notified by a consultant that the policy don't have paid up benefits. I suppose Metropolitan expects me to pay the premiums until I die although my contributions exceeds the benefits by far. This is wrong. I e-mailed another senior person at Metropolitan and still received no answer. Surely it can't be that difficult to solve this problem.