Death cover benefit

Good day I took a funeral policy with Sanlam in 01 Nov 2003,the stop order of 285.00 has been debiting on my pay slip since then, recently I received an email from Sanlam says they have cancelled my premiums growth benefit that means should I pass on or my mother who is also covered on this policy we will receive the amount of 6998.00 because my premium policy has never increased yearly, I find this very unfair because I have paid over ten years and it wasn't my fault for the increase not to take place.so I decide to cancel the policy because I m not happy with the pay out I will receive should anything happen.my request to you guys is to help me get the my premiums I have been paying all these years. on the total amount I could receive I feel they should take out the amount of 6998.00 since they say I can only get this amount. Should I have know that they are not reliable I could have taken funeral cover with other companies.

I really need your help

Regards Desma Maphumulo