No Funeral Policy payout

My mother passed away 31 July 2019. She's got a funeral policy with Clientele Life but unfortunately did not update her beneficiary when my father died 2 years prior to her. Now, they do not want to pay out the funeral policy as I am not the beneficiary. I am her only daughter left and I also have a brother. My mother paid them every month no questions asked, why can Clientele Life not do the same? How would I have all the Original documentation - Death Certificate etc. if this was *****. We just want them to pay out the funeral policy so we can put my mother to rest.

They also keep on phoning "my mother" on her telephone to "finalize the claim submitted".. How do you want to speak to my mother? I told them many times that they have to contact ME, but they do not listen. I see that as someone that does not care, only care for your monthly payment and not what happens to a family that just lost her mother, friend, grandma..