Policy Decreasing every year

Hello Peter

I 2022 I took a funeral policy with at R50 000 cover for my parent, over the years this amount was reduced to R47 000 even though I have been paying. When I asked the insurance, I was told that the policy needs updating each year in July, but I have never communication with regarding to updating it to keep it R50 000. I asked for a way to bring it back to what I initially signed up for then I sent the email below.

Good day NM

Thank you for giving Old Mutual the opportunity to investigate your complaint.

Please note that,the cover amount can be changed back to R50,000 if you pay the arrear increased premium deltas for 2023.The arrear Premium to be paid is R221.92.

After payment of arrear increased premium on policy 69345SB***8,we will correct the premium increase for 2023, the new premium for 2024 will be R302.08.

Please make an arrangement to pay the arrear premiums on or before 15/07/2024. Please make payment into the following account and send us proof of payment:

I made the payment a while ago and sent the proof of payment but last week another employee told me this can't be changed. I am really concern what will happen if something happens to the insured person, will the policy continue decreasing, I am told to check a point 10 in my contract that I was not commutated about when the policy needed to be updated.