Globe Life and Accident Insurance Company review: Life insurance

I received a letter dated 10/13/2025, declaring I owe a loan because this policy was about to lapse in 10/2023.
I have this policy paid up thru 1/2026. I'm not understanding how this policy can have a loan and be paid up into the coming year. Why am I just getting this information. I have had these policies since 2008 and this the first time I've ever heard or known about an outstanding 'loan'.
It would make no since to 'me' to pay up a premium and leave an outstanding 'loan'.
I am not legally competent to read each page and paragraph of the policy declaration, however; I trusted your company to be fair and committed to the consumer, my mistake.
I need someone to know, this truly a failure on both our parts and I must 'pay'.
Please help me understand this.
A most humble and disappointed customer.