Laon of a decease is it suppose to be paid by his life cover?

Hi absa bank the father of our children died 2016 and we took the case to legal aid to do the claim and he had policy of a life cover which was R50 000 and he died unnatural and he had a loan that he took there i dont know when but he was still alive that time and while legal aid is busy claiming for the policy they discover that absa bank is also claiming for the loan that he had there in that life cover of 50 000 and absa bank disnt double the claim and why absa bank is claiming for the loan in a life cover policy cos if the claim was made by the beneficiary absa bank was not going to claim for the loan? What is the procedure when someone had a loan and he died? And When someone died unnatural? Is the cover double and if so why absa bank didnt double it cos we've been to legal aid they telling us that they query at Absa Bank and they still waiting for the response cos Absa is claiming their money for the loan that was made by the deceased. Its been years now we waiting and we cant even claim for the pension fund cos we need to pay school fees,food and clothes our children are suffering because u are holding everything and now its 2019.