Extremely disappointed

I am complaining on behalf of my Mother who is Nelly Goba I'd number *** who has a funeral policy with AVBOB. My. Mother is the main member and has covered my sister and two brothers.we just found out that my sister who is covered under my mother's avbob policy(who is also pregnant) just lost the baby while she is pregnant which means it's a still born, my mother contacted avbob and they told her they only covered my sister not her still born baby which is still inside her, that they only cover main member's still born.Now my mum is 60 years old and she covered my sister who is 29 under the same policy, so how is it that because my sister is already covered and the baby died inside her and the baby is still inside her even now she's in hospital waiting for her doctors, my sister and the baby are one they share the same body how is it that avbob cannot cover her and now we have to pay cash for them to bury the still born baby. My mother as not told about and why didn't the avbob staff who assisted my mother with this policy in the first place never advised her about this clause and recommended a better option like my mum opening a different policy just for my sister so she can be the main member and my mum an be the beneficiary and a payee as well. I am very disappointed with avbobs service. Why would they allow my mum to cover a young woman who can still get pregnant and be in this situation and be under someone on the policy knowing very well that they won't cover for that young woman if she ever was faced with the still born issue.

I feel avbob does not care about their clients and their well being and they don't advise correctly and properly and they don't advice according to their client's needs. Right now we are in alot of stress and my mother thought avbob was going to be of help to her in this time of need as she trusted them but they failed not only my mother but my sister and the whole family as well... I Wil never recommend avbob to anyone ever