Worker'slife must conartis life

Worker'slife did not pay my claim correctly out. They con me out of 6400. They instead deduct installment of a policy that are lapse more then three years and people on the policy that lapse died more than two years back. How can you deduct arrears of three years where no initial installment was paid. With the death of the people on this policy I didn't even attempt to claim as this policy was null and void as not a single premium was paid. The worker who wrote the policy my instructions was clear if not going through PERSAL I don't want the policy.