I HAD A UNIVERSAL LIFE POLICY THAT WAS SUPPOSE TO BE PAID UP

Bought this policy when I was in my early 20's, it was a universal life policy for 50000 of life insurance and was suppose to be paid in full when i reached 55 years old or i could take a lump sum. Premium was 30.50 a month directly taken from my checking account. Just before i reached 55 i recieved a letter saying the policy did not yield a high enough interest rate to make the policy paid up and they simply cancelled the policy. They stopped taking the money from my checking acct. and when i sent a check they returned it.