I had a financially income problem the past 2 month and my policy is in arrears and they called yesterday to explain to me that I I'm not covered

I had a financially income problem the past 2 month and my policy is in arrears and they called yesterday to explain to me that I I'm not covered. So the person ask if she can downgrade my policy. My question was if it will be a new policy, she said no to me I'm so gradefull for these some people who always help people like me when we're in financial situations Thanks Platinum life