easy to deduct, hard to pay out

<p>my mother had a policy with all life last year october, then got really sick and started taking tb treatment in december. she then passed on in february and i imidiately contacted all life for the claim. 25 of march i submited my forms and the turn around time was 2 to 6 weeks. i never got feedback though i kept on calling till today and i was informed that my application was declined the reasons were that my mother was taking Tb treatment and the informed her that she had to take her treatment first. my mother was not aware of her Tb when she took the policy. now i got feedback 3 and a half months later, something that i feel should have been pickedup when i called to query about my mother's policy. i feel that there is more to it than what i am being told</p>