Funeral policy that won't pay out in time for the funeral

I logged a complaint here and was called with "feedback" which was really nothing more than telling me that the assessors are still attending to my claim. It's a week later and I am being bombarded with requests for the post mortem report in order to finalize my claim. EVERY SINGLE DOCUMENT that I have submitted to Capitec confirms that the death that I am claiming for is Unnatural, but the doctors at Capitec and Centriq life must know better, so I must wait months for a FUNERAL policy to pay out, MONTHS after the death. Other insurances have accepted the police reports I submitted, but not them. This has to be the worst policy on the market, save your money