Poor Customer Service

Good Day,my Name is Nosizwe Ncumisa Moyo,l just want to explain my story, l had a funeral cover with Standard Bank,l took that policy when l started working in 1994 and l signed a debit order with them,all these years it was deducting from my account,l have noticed that the deduction has been stopped,l called Standard bank holding for 2 hours on the phone,finally one of the consultant try to explain to me saying that their system has cancelled my policy, l asked the reason of cancellation l didn't get the reason,she said the policy lapsed,according to my understanding the policy lapsed on if theres no funds to the account,so we agreed on paying the premiums that were not deducting,now they are telling me about the 3 months waiting period,thus policy is not new it's an old policy,its like they are ripping people off,what if something happened to my family and l lodge a claim?they will decline a claim and it's their fault,how many people out there who are in the same situation like me?but when they hunting for client they will call them and sell them their product,they have to improve their poor customer service