No payout on claim

My mother had a funeral policy that lapsed and I was able to reinstate it telephonically in 2004. I was also the one paying the premiums as my mother had lost her job. When my father passed away in 2008, clientele refused to pay the claim stating that my father had pre existing conditions(diabetes) that were not disclosed. I requested a copy of the telephone conversation of the reinstatement but was told it could not be found. My argument was that it was never explained to me that diabetes was not covered. The claims assessor I was dealing with did not care. I have grown wiser and it irritates and makes me angry that Clientele stole my money for more than 3years and made me suffer by refusing to pay the claim and I had to make a loan to bury my father. I regret having been introduced to you. I do not recommend clientele funeral cover to anyone. This company is pathethic period!