Funeral cover

I had my fathers funeral cover for more than 8 years with Old Mutual. Since 2020 I was paying directly to their standard bank account together with family cover amounting to R357.00. I called just to check on this policies and was told that my fathers funeral cover has lapsed because it was paid R18 less . I have asked the consultant at Randfontein branch that I can pay the outstanding amount and they refused and they will refund me the money and I have to re-starts the policy again.