Bad Business Conduct

I Joined Motsemogolo I think in 2021 and have not claimed, unfortunately when my mother-in-law passed on I was still on waiting period with them and when my sister passed on I was behind with payments for 3 months so they didn't pay out. Now I want to cancel my subscription with them and I find it difficult to do that.

I requested a cancellation form from them via WhatsApp but the lady who works there said I needed to come to their office in Mamelodi to complete the policy cancellation form of which after a while I went to their office and when I got there I was not given a form the same lady said that I don't need to fill a form just stop paying head office will see from there, now this did not sit well with me, I left because I was going to a family funeral.

I then sent an email to head office telling them what happened and requested that they email me a cancellation form and I was told the same thing to stop paying just like that, I don't know if this is right I completed a form to join should I not be completing a form to show that a have cancelled with them and should I not be paid back a portion of what I have been paying these whole years?

It looks like they want me to be at fault and default on payments, I know now I have missed 2 months and I am now forced to continue to pay for something that I do not need anymore because they won't do things properly as a business.