Sanlam's incompetence and inability to take accountability for thier errors.

Sanlam stops debiting my account for my premiums on my life policy and suspends my policy without ensuring that, i as their client, am aware of it and that I do not have cover in place anymore. When I called in to enquire, the consultant Clint Hendriks who tried to assist, was unable to give me a reason as to why they stopped debiting my account and acknowledged that, on thier system no instruction was given by me for this. He then advised that the only way to fix this problem would be for me to pay upfront more than R4500 in order to reinstate my policy. When asked if there was any other way i was told that i could start another policy...which means that i will pay a higher premium and wait out the waiting periods all over again. I then asked to speak to his manager who at that time was in a meeting. I then requested for his manager Karen Geldenhuis to contact me as soon as she was available, however I have not recieved any calls from her. I instead recieved a call from another person who works as a broker for another company who would try to assist me in reinstating my policy on the grounds that I pay a % of the missed premiums (that they did not debit) upfront and the balance will be taken from my total payout. Sanlam is refusing to take accountability for thier mistakes and the client in turns needs to face the brunt of thier incompetence. As their client i was under the impression that I was covered and had anything God forbid happened to me my family would have been left with nothing. What ever happened to TCF principles.