OLD MUTUAL IS A ****

I have had two policies with old mutual for more than 7 years now. An educational plan for my daughter and a funeral cover for my mother. The problem started when there was change in my salary date which they were failing to deduct money from my account, which Id still go to the branch were they would give me account numbers to deposit the funds and I would do as advised but I would still receive messages that my policies are overdue ,I kept going to the branch and providing proof of payments and they would tell they have sorted the issue out, until I received an email that my policies are cancelled and I still went to the branch since I did not understand why were policies cancelled and an urgent that assisted me said they have restarted the policies and changed the debit date to my pay date which wasn't the case, it was only one debit order that went through , At the current state I'm wondering if all this money old mutual has been taking from me all these years has went down the drain ,and what happens if I were to loose my mother since she's old they obviously wouldn't pay out.. all these years have been a waste.