I'm very disappointed n angry at the same time

I lost my brother on the 14th of November, he had a funeral policy with avbob, when we went for a claim, they told us he was behind with two months premiums, we then asked to pay the outstanding amount, they told us they don't allow a policy to be paid when policy holder is no more,to my surprise the manager by the name of Kobus in Germiston told us he had a similar case where a person was behind with two months and the claim was approved, but ours was not, we had to pay cash for the services rendered to us by avbob( removal of the body and other paper works) a policy of 4 years had lapsed in two months .