Revival of the Policy

Dear Sir/Madam.

I trust all is well from your side.

I wish to submit a complaint about my greenlight policy I have with Old Mutual my policy number is as follows ‪***‬ and my ID number is ‪***‬ when I received an email stating that my policy had lapsed I tried to revive the policy as early as 9th of January 2024 because this is the only policy I have where I covered my Mother and Father and its a policy that we have been I have been trying by all means to protect since it has the most important people covered, I am aware that in November and December premiums were not collected by old mutual and subsequently they decided to lapse my policy, despite informing old mutual that they are not consistent with collection date of premiums as at times they collect 2 days of the agreed date of 27th of every month.

Old mutual informs me that my policy has in the past lapsed in 2015, 2018 and currently therefore it can't be revivided and I informed Old mutual that I am only aware of 2 policy lapses the one for 2015 I not aware of as the policy may back then be paid my aunt whom I took over after getting employed. all that I want is the revival of the policy to continue covering my father who is now left in the policy as the beneficiary secondly for my mothers claim to be paid out since she passed on this year in March 2024.

I request a waiver on this policy and I humble request to continue with the policy. refernce numbers from old mutual are as follows; CEB***, CEB***,

below is the forth and back of emails between me and old mutual with no assistance I am in debts as we speak since they refused to pay for a death claim for my mother that I submitted.

I have tried my best to revive my policy that I believe lapsed because of Old Mutual not being able to debit on my account on the date that is agreed by my self and old mutual which is the 27th of every month, Old mutual has been for the longest time debiting on my account 2 days or more later.

Now in December 2023 same happened and Old mutual did not get the premium on my account.

Then on 9th of January I reached out to Old mutual to see how we revive the policy and and through a telephonic conversation I was advised that Old mutual is responsible for not getting the premium since they debited later, and that I was not liable for the missed payment.

This policy is 17 years old with Old mutual and has the most important people on it my mother and father hence I tried to ensure that I protect it from lapsing, in January I made every effort to revive it and was advised that it can't be my fault since this policy especially greenlight policies are problematic for Old mutual when it comes to collections of premiums since it is phased out.

I have submitted all documents required from my side, and provided proof that I had many in my account on the 27th of December 2023 but it's Old mutual that did not debit on the agreed date.

I'm struggling to bury my aunt since old mutual says it's lapsed.

I humbly request an assistance , here is a list of references since January CEB***, AR: Re: ‪***3‬ Death claim requirements - Old Mutual Enquiry -- CEB***],Old Mutual - Reference number - CEB***.

All that I request is an assistance to bury my mother with dignity and continue with the policy as it has my father that is only insured by me only in my family.