Funeral cover

My mother had a funeral cover ********** which she joined in March 2017 and waiting period was for 6 months which is now over, now consultant called her on the 23 October to cancel an active policy and open a new one with another waiting period,, what is this? Is finchoice taking advantage of older people and ripping them off their pension money????? She wants her old policy back as her waiting period is over... .will take this matter to ombudsman if no one calls her.