Clare Whitehouse

I really need to know about life insurance as I've got one out since 2013 so I've payed off alot of money so far but I'm confused as I received a call from them and I've been told I have to make a new claim even tho I've payed alot into my life insurance.so basically they are saying bec it ends when I'm 52 and I'm 49 now and I'm still living I will lose all that claim for my children for when I do pass on.is this true what they are saying bec I've put alot in and it's not far at all that bec I'm still alive I loose everything can you please give me the answer clare.