Never take out their funeral policy

I took out a funeral policy for my mom in 2003, the payout for the policy was supposed to have been R5000. To my surprise the payout was R306 short. They cald me wanting me to replace. I refused to replace and told them I will replace only after they refunded my money that's short.

I called again today they still cannot tell me why they deducted my premium from my payout. My payout goes off my payroll so there is no way I could have missed a premium after 17 years I have been paying. Looks like it's their shady way of *****ing money from grieving families. If the payout was more I wouldn't have noticed