Doves Funeral Services & Metropolitan Life trying to NOT pay on a funeral policy - 4 years later still battling

Doves Funeral Policy - Momentum Life - Really bad service - Warn your friends and family - they don't pay out In February 2021 my father passed away. He had been paying a Doves funeral policy for 50 plus years. On the day we went to Doves to arrange my father's funeral. However, their cheapest funeral was over R22,000. The policy was only for R5000.00. The family decided that they would be happy with a service provided by Martin's Funerals, which would cost much less than the Doves quotation, even after taking off the policy amount. Doves refused to pay out the policy because we were not going to be using them to bury my father. Now nearly 4 years later they are still refusing to pay out the policy. I have a letter of authority from the office of the master of the high court which allows me to finalise and close all of my father's accounts and policies. My initial enquiries produced an email response from them to the effect that the policy had lapsed in 2021 so we couldn't claim. They had the death certificate but still couldn't seem to understand that my father stopped paying his premiums once he was no longer around and it therefore lapsed after his death. So today I get a call from Momentum Life, saying that they do not accept the letters of Authority as issued and I must get a letter of executorship or have the letters of Authority amended to indicate the account number of the policy - which I still don't have. So I just want to warn other Doves or Momentum Life policy holders that you may want to consider getting a policy from a company that pays out on the death of the policy holder or as soon as possible thereafter. Not 4 years later still requiring the heirs and family to jump through loops.