False advert (PREMIUM HOLIDAY) NOT PAID

I had a policy with Old mutual. I had app**** for a PREMIUM HOLIDAY which was approved. Since I have app**** for the service. I have not had any payment. During the process, Ms Johanna Mkhwa**** who was insured in the policy passed on. I even claimed for the funeral. My query is that WHY I WAS NOT PAID FOR THE MONEY FOR PREMIUM THAT was deducted from my salary. The consultant told me that it takes about 30 days money will be credited into my Bidvest account. Until today money was not paid into my account.