Funeral policy

My sister and I we took a funeral cover with Dignity Group for our late mother, when I checked the list of things that we need to submit it was to many about 12 documents but we had to do it, the form says we will get the money will be paid in 48 hours but I got shock of my life when I was doing a follow up that it has change to 72 hours and they only paid us on Sunday on the day of funeral, I submitted my paper on Monday and the process started on Tuesday they only contacted me on Wednesday about missing page, date of death, and ID certified date which was dated 25 Feb 2021, I am so disappointed by them at the end the administrators were very chicky