Policy lapse

I had to take an early pension because I suffered a stroke in 2013.I was left disabled,I couldn't go back to work anymore.Now I am unable to pay for my premiums as I am unemployed.<br> I have had the policy for over 21 years,I pay R986 per month.i am now a pensioner and the consultant at the Maponya branch told me that my policy will lapse,it doesn't matter how long I have had the policy.<br> all I want is my money back because I feel like I am being ******,my policy can't lapse after so many years of payment.<br> is this what Metropolitan does to all it's loyal clients?!<br> I am highly disappointed