clientele life has very literally ruined a life

Almost two weeks ago my father passed away, leaving behind a single policy for my mom to survive off of. It was the best policy he was able to get and my mom was grateful. When she tried to claim for her policy they point blank refused to pay her. They claim that no matter what they will not pay out any money within three years of the policy being taken. It has been over two years now but not once was my mom made aware of this. She was never sent a copy of the policy and neither was my dad. They did not mention it on the phone conversation but they claim they cannot refer back to those calls. We are not even sure if the 3 year clause is even real. No amount of requesting as gained us even a glimpse of the policy documents. In less than one month my mom will have no food, water or electricity. The business my dad left is struggling and we were left with a few difficult problems. All of my mom's hopes were riding on this policy which has now been ripped from her in the most sterile and compassionless way. On their site they say First R10 000 payable within 24 hours and my mom can't even have that. Thank you clientele life.