Make sure about the waiting periods on funeral cover and cancellation of beneficiary

I took out a funeral cover. My husband got diagnosed for cancer and passed away after three months. I went to Capitec and inquire and was informed that natural causes have a 6 months waiting period. All fine so I asked them to cancel his benefit at the consultant in the bank. After two months I had to go into the bank again to cancel and all the consultant can say is sorry. if I didn't pay my policy would have been cancelled, no payment no policy so now when it is their mistake is only sorry...... double standards isn't it.