Burial that nearly didn't happen.

I am livid I am ****ed. Just buried my uncle without a payout from B3 and their stupid clientele. ***!! My policy schedule was changed without me knowing because they decided to change underwriters to clientele, my policy dropped from 30 000 to 24 000 while premium increased to R780, I don't have car hire any more and no airtime benefit. How is this possible? That is not the contract I signed, clientele should not step in to change my plan making it low at a higher rate. Their policy says payment is paid in 24hours I submitted a claim on Wednesday it's over 72 hours already! I recieved nothing so *** will I do with the money after the funeral? Since being told my claim is approved on top of that they ****** take 74 hours to even pick up the phone when calling in. I will leave this review on clientele as well cause they too are useless and reviews don't lie, I worked for a bank before and I know how clients would reverse their debits because they would not make payouts. I had to borrow money from people and reverse my installments.