Oppressing policies and bad service

I took the highly advertised R100 with growing cover funeral policy with African bank about a year or 2 ago. i recently got married customarily where all requirements were satisfied as per our SA law - which is irrelevant to African bank, so i send query to add my husband\spouse to my policy. i received comm from them informing me i will have to be staying with my husband\spouse for over a year and provide proof of such before they can add him to my policy - what in the world is this? am not asking to add a vat & sit or life partner\boyfrnd or common law partner to policy BUT my husband\spouse. they would not even reply to my query when i question them of this as in SA law customary\traditional marriages are recognised.