Miss Manners: No-reply emails from companies must be bad manners, or worse

Dear Miss Manners: If I get an email that says my life insurance is being terminated for nonpayment, I ought to be able to quickly and urgently reply that it WAS paid and provide the details of the payment. Surely, you should be able to respond to any email sent just to you. I shouldn’t have to call a big company and wait on hold for 90 minutes to straighten something out.