ABACUS REFUSE TO PAY!!N

My father passed away,so the time when it comes to claim for the funeral policy they(Abacus) denied the claim. Reason because there was a payment outstanding. Fair enough if my elderly father who was half blind for got to make a payment(around March 2024) amd they cancelled the policy,but they still took his policy payments every month and the last one was 9 Feb 2025. He passed away 10 Feb 2025. They said they send him an sms about the arrears,the problem is he is half blind and cant read sms's. I disputed the reason for the claim being denied,even though I said I will pay the outstanding payment, nothing!! I lodged an appeal and still haven't heard anything!! This company is oy there to ***** people's money and they are looking for evey reason not to pay out. Worst off all,I sit in New Zealand currently and cant do anything from this side.