Missed Premium

I received a call today which is the second time from OLD MUTUAL. They are saying my policies are in arrears because I did not pay some premiums in 2016 . I requested them to send me an E-mail explaining everything in detail for me and they refused. The Agent threatens me that if I don't make arrangement my policies will lapse as I am at risk. They did not realize in 2017 that I am at risk only in 2018 if there is premiums I missed.

In 2017 I did a claim in one of my policies for my late Sister in law and nothing was mentioned to me that I missed a previous premiums and again in 2017 I was provided with the tax certificate for some of my policies .

I feel to understand that why are they not doing recons on the accounts on a month to month basis to advise clients immediately that policies are in arrears and wait for 12 months to raise that with a client.

Imagine if I can die now or my siblings what is going to happen ?

Please assists.

Regards Theodia Molapo **********