No cover pay-out

I've had a Greelight policy for the past +-10years and always paid my premiums on time as it's been deducted from my salary. Since I've had the policy I've always have my parents for funeral cover on, later I added my 2 nieces and in late 2016 I've added my sister. In 2017 I got an email from old mutual informing me that my policy lapsed. I called my broker asking her how that happened when my salary advice showed the deductions made to old mutual. After all the emails to and from my broker she advised me to fill in a policy revival form and told me that I will have a waiting period again.. so I asked her why must I have to be on a waiting period when I had my policy all these years and never skipped a month. Apparently when I added my sister my premium increased which I understand but the deduction from my salary administration were not adjusted as they didn't receive the 3rd party form I completed when I've added my sister. So old mutual had all the premiums I paid in a separate account since I added my sister. When my dad passed in March 2017 old mutual never paid me out as I was on that waiting period which was the broker's mistake for her incompetence I got punished. Can you please assist as I don't think it's fair that I paid all those years and never got a cent from them. We take out these things so when we need it life is supposed to be easier.