Bad service

I have 2 funeral covers with Assupol or should i say had , the 1st one was under my details and the 2nd one was under my mother. My mom passed in May 2018 , i claimed and all was well. Tuesday the 15/01/2019 i called assupol to change my banking details on both my policies, spoke to an agent by the name Andile who informed that my other policy has been closed. I asked why? he answered" when the policy member passes we close the account" . i informed him that i was not aware and that information is not on the policy documents, Andile said i have 2 options either pay the arrears or start a new policy. why was i not informed of the changes?