Funeral Benefits not paid out without lengthy admin process

What a joke... Funeral Plans are exactly that for funerals - now you are expected to go through a bunch of red tape for documents to get this paid out - Letter of Authority and Estate Statement also now needs to be handed in - so by the time you have completed all this forms went to Master wait for Letter the funeral is long gone - in a time of sorrow you have to do all this and have a funeral with limited funds? I do not think this is what funeral policies are for - I think it is there to make this time more bare able for family members, bot no Capitec will make it as hard as possible.