TFG and monitor insurance ********!!!!

I can see that a lot of people are complaining of how TFG handles their cellphone claims, I too am a victim of that I reported a lost phone with them in the beginning of January they kept calling me to ask for documentation I had no access of, after an entire month they called me and told me that the claim was rejected because of non payment, mind you my account was up to date at the time, I also requested statements from TFG and saw that I was being billed for 2 cellphone insurances a couple of days went by and I received an sms saying my insurance has been canceled I was surprised as to why I have been sent to one department to the next and they just can't seem to resolve my query. I am really disappointed to experience such from such a huge brand and feel that it would be wise to take further steps. I will not pay years of premiums just to let this go