Policy claim rejected

Capitec Bank does not want to payout an insurance policy! My mother (diseased) covered my cousin (diseased aswell). Due to the six months grace period he is still covered and able to file for a claim. I claimed as my mother’s beneficiary and the response I got is that “the relationship to the deceased does not fit the description of the extended family as stated in the policy contract”. The relationship error between the person called in verification does not warrant misrepresentation of the facts taking into account the age of the policy. This policy has been taken long time ago for it to be disputed at claim stage when she is no more. We are very frustrated as a family as we should be burying him on the 28th and cannot keep him any longer as we are faced with the funeral parlour costs. The claim will be of huge assistance to give him a descent send off.