Money ****mers

I have since taken up a funeral policy for myself and my children since 2022. I have been paying my premiums until I changed the card. I phoned them and requested for their banking details so that I can continue to pay the premium month to month and I was told I had skipped a month and it would lapse o if I don't pay an amount of R281.00 I then paid a little extra as I didn't want to lose the money that I had paid since 2022.i phoned their office to enquire if I wanted to cancel would they refund me the premiums that I had paid already and the consultant that I spoke to said No they don't do refunds I would forfeit all the money that I've paid to them. I asked her if that was allowed by law and she failed to answer me, i then asked her for the ombudsman contact number as I was planning to take it further but instead of cancelling I then decided to continue to pay the premium then last month after making a payment I sent them the proof of payment a day later I was told my account is inactive and I should call their call Centre I rep**** and asked the consultant what she meant by inactive and she never came back to me.