Standard Bank Insurance

I took a credit card with Standard Bank in 2011, which is covered its insured I have a policy that was taken immediately after taking the Credit card. In 2012 stopped working but continued paying for my credit card up until today, my husband has been assisting with paying for it, By the way the credit amount was R28 000, Ive been paying this amount from 2011, So recently with everything that happened after covid my husband had to take paycut meaning I am battling to pay for this credit card, I then contacted Standard Bank about the policy Insurance that I have for the card , it turns out the policy that I have been paying for 12 years is useless it cannnot help me, Its not going to help settle the debt that I cant afford to pay anymore, because I had to claim 3 years after loss of income so, So I am being punished for making means of paying for the credit card, The question is what was I paying the insurance for so long If I cannot claim now that I do not have income. why do I still pay for the policy ,what am I covered for its been 11 years paying for this insurance. The consultant was quick to ask if I wanna cancel it. why should carry on paying for it, If I cannot claim from it, how is paying for it benefitting me ?why should I carry on paying for the insurance.