Funeral policy

So to my surprise if you and a family member or other person have a funeral plan for the same person only one of you guys will be paid out which is apparently in the contract however what if one doesn't know whether another family member has insured the same life as me? Plus why is capitec continuing to take the premiums from both of us. Michelle from the call center says it's because they don't check to see that our surnames are the same meaning they can't inform us to stop paying but we can share the money between us rather once paid out lol stupidest thing iv heard anyone say today. If that's the case I want to cancel and get all premiums back