Clientèle lies about being so helpful

I took out funeral cover on me and my parents with Clientele some time ago. I fell into financial difficulty and my mom suggested that they will take over the premium. My dad passed away due to natural causes. Now they come forward and say that although I am the policyholder and there were never a missed premium it is now deemed to be my dads policy because he paid the premiums. We need to sien and kom klaar to pay the costs for the funeral until there is a executor that can submit a claim. They never had an issue to collect the premium nor did they inform me of the possible difficulty should there be a claim. They gave me R 200 airtime as a consolement prize however that I should use to pay the R 25,000 due for the funeral. FNB paid my claim out within 16 hours after the claim were registered. If Clientele indicated that they have a cash flow problem we could assist them but now they are using bullying tactics and hiding behind fine print.