Funeral Cover Claim

I have put in a claim last week Thursday for a funeral cover so I was told I needed to complete something which I did. No communication from Capetic until they send a message on Saturday that I will get a response after the 11th as they still doing their investigation. This is soo unfair at all for Capetic to delay the payment of the claim. So we should wait for them to decide so we can do the burial after? When they deduct my money they don't do investigation only when I'm suppose to claim. That's so insensitive and wrong of Capetic I wish I knew and not bothered to take the cover.