Refusal to debit my account

Morning

I have a Life cover and Funeral plan with Old Mutual since 2013 and It was through the stop order. But ultimately Salary stop order was cancelled by my employer and after that I gave Old Mutual my account details so that they can debit my account Monthly but it has been 2 Months and y account has not been debited and when I enquirer I always told that the matter has been escalated. For what mara? because I think they must just debit my account. As I speak now I was told that Old Mutual cannot cover if anything happen to me since they did not debit my account. What fault is that because I gave them my account Details to debit but still not debiting my account? I am feed up now with them. What I need now is the Old Mutual to pay me all the premiums I have paid since 2013 so that I can join new Life Cover policy with difference company.