Emerald life claim

I took a policy with Emerald life however when I submited my claim on the 27th of September 2022, I was informed that the claim was repudiated due to no or lack of insurable interest existing between myself and the deceased

I was informed that there would be further investigation taken and it would take 14 weeks to complete. Within that time frame I had to constantly do check ups as no one cared to revert back to me. I had to drive back an forth to their east London branches using patrol over 80km worths for every check up.

The sad or unfortunate part of all of this was that I was and still am grieving for my last cousin/niece, I thought my family members covered with Emerald life would get a dignified funeral as the payout would ease the financial burden for our family

The most indecent process is the manner in which the investigation took place as my family was harassed with phone calls which planning the funeral.

We as the family had to postpone or change the burial dates as the payout was still outstanding, which resulted in me borrowing money from other family members.

Upon taking further action, I layed a complaint against the company however the complaint was dismissed due to the same reason the company stated, which is incorrect.

The unfortunate situation is that I have other existing policies with Emerald life and I was informed that I would suffer the same fate unless I go to each member I've covered and make them sign an affidavit stating our relationship. I was told that this does not guarantee that my claim will be paid out, however it will strengthen my case as claim stage

I am so disappointed with the outcome and wish to get further assistance if possible because I am not satisfied at all .