Absa life crisis

Good day my experience with Absa life was very terrible, i had took out a funeral cover with them for almost 2 years for my sister-in law which was never legal married to my brother. when my sister -in law passed away in January 2019 i went to claim only to be told that my claim was automatically selected for auditing and the the feedback came back i was told the deceased was not legal married and not blood related to me. Hence you were never told all those things when you take the cover with them. In my contract the one that i have doesn't state that regarding extended families, so i'm very disappointed in the manner my case was handle i also went as far as going to the complaints department to complaint still i did not get any help I've been taken to pillar to post. i was taking the cover as i know my brother is not financially okay and i can help where ever i can help, now i went and borrow money to assist with the funeral how i'm i going to pay back the money i have borrowed if my claim is not successful...