Debit order not on time

Good afternoon<br> <br> I have a problem with Standard Bank not deducting my debit orders on time. Last month one of my debit orders did not go off out of my account, but the company sent me an email that they will cancel my life insurance if not paid. This month the debit order went off twice. <br> <br> I will therefore hold Standard Bank responsible if it happens that my life insurance gets cancelled. I don't have a lack of funds and always make sure that there is enough money in my account.<br> <br> Is it a problem at Standard Bank or at the insurance company?