Clientele refuse to pay out

It's worth up most disgrace that I need to report clientele life to hello Peter today. my husband died in May 2020 this year and since then I have been struggling with clientele to pay out my late husband life policy. In the beginning it was a struggle to get claim forms from them and after two months I have been able to get claim forms which are filled in and attach all the requested documents and send it to client tell the same day. clientele has sent and an assessor to the accident vehicle which they inspected and then to the accident scene which day reported back to them and after several weeks they contact me and informed me that they need the Cecil to come again and take affidavits of which have what happened on the day of the accident they requested a driver's permit because the accident was in the morning hours during lockdown which are provided them and two months went by and then every week when I followed up the email they didn't if they even have the courtesy to reply back the claims department the lady that worked with my claim Tracy just phoned me one day out of the blue and ask for the forms from the work where my husband has been employed today reported accident at work compensation act company which I informed them that's my late husband works for a transport business and the accident was reported to the bargaining council and notary work compensation at company and they still request at the letter and I just personally feel that it's unfair that I which it's the beneficiary on the claim and my for kids aged 27 13 and 14 is being penalized for a mistake that we didn't do and clientele is still refusing to pay out the claim which is 400000 and due to the fact that they are requesting a letter after I have sent them numerous emails trying to call them via telephone and I just don't get any response I've tried to explain the situation to them that the accident was not reported to the conversation act but to the bargaining council which my late husband was committed to if you can say it in that words. they even confirmed with the work what happened the day after accident and the work also confirmed that he was on the break down all the documents was once again sent it to them with the working permit and all the affidavits and police affidavits and acclaimed films was once again send it to them and the week after that after four months I followed up again and they requested me to send her claim forms and all the documents again and then when we followed up there was a complain that they didn't receive some of the documents which I send again and then I had a problem that the family was interfering in the claim process which they are not allowed to give any information except to the beneficiary and when I phoned them there again I couldn't speak to Tracy and I requested them to give Tracy at the claims department a message to phone me back which he didn't do and since then it's been six months that I didn't get any reply and my kids are suffering due to this and I'm not employed I don't have any income I'm relying on this policy to pay out as soon as possible and after trying everything being struggling for 6 months to get the policy money that's due to my kids out of clientele I have decided to report them to the ombudsman which also didn't come back to me and now the last option is to report them on a lot better so I hope that somewhere somebody can help me so that we can get this money to my kids as soon as possible.