Debit order

Good morning

I got a problem with momentum,a debit order did not run but money is the in the account I did send them email asking them why debit order did not run, still waiting nothing because my problem if something happens to will they pay for my funeral and it has life cover too, knowing momentum I will have problem or if I die my daughter will have a problem with claims I know them I have experience bad service from them and I cannot Cane this insurance it's more than 5years that will money throwend down the drain even no phone calls nothing