Metropolitan ****ming me

I app**** for my unemployed son for a funeral policy with them in 2022 the application was approved on the 17th of November 2022 policy number (***), I have been paying for the policy at Shoprite Checkers since then, until on the 23rd July 2024, I decided to add another family member; surprisingly I was told that the policy lapsed in 2023. Metropolitan had not informed me about that. The last payment I made is dated 02/07/2024. They further explained that they can't reinstate the policy and would rather pay back the premiums and wouldn't let me know from which month in 2023- Would you please intervene!!!