Funeral Cover Not Paid Out

My Granny Passed away on 31May 2015. She had 2 Policies with clientele. 1 x Funeral Policy with a Beneficiary name and 1 x policy which clientele says there is no Beneficiary name on. Now Clientele requires us to open an estate account which is time consuming as we all work.My question to Clientele is...How can you sell a Funeral cover and not have a beneficiary name ? Is this a way to make a quick sale and commission that proper details are not taken down.I have submitted almost 2 weeks ago documents for the 1 x policy to be paid out by I keep getting an automotive response saying this will be sorted in 72 hours. documents ere submitted about 2 times. clientele claims to pay out between 24 to 48 hours after death as well as receiving documentation. how long do you think this query can be sorted out by Clientele.