Unpaid insurance premium

My husband has a life policy with Old Mutual of which the premium gets paid out of my account by debit order. The payment was not mrdds collected for the past two months and therefore the policy lapsed. On enquiry my financial broker was told that the payment for January 2021 was not done and when trying to debit my Nedbank cheque account durinh March 2021 , the message" unahthorised debit" was displayed. I spent three hours in the bank and the problem is not with my bank. Old Mutual claims to have sent me notifications re this matter via email, but neither my broker nor me received any notifications. We are now trying to reinstate this policy but Old Mutual is being persistent not to. This problem wasnt caused by me so why must I be the one who is strugglinv