Dismal processing time on insurance claim

I have an insurance claim against my homeloan and the experience so far has been absolutely dismal. The initial paperwork was processed on the 27th of July 2024, it's now the 6th of November and I'm still waiting for the claim to be resolved. Apparently because of the amount that's involved it has to be signed off by management. The claim had to go to external auditors who approved it, then it was referred to external stakeholders who approved it. But now it needs to be finalized by management who doesn't seem to have a care in world when it comes to clients who have been with FNB for over 25 years. I only get feedback when I throw my toys. They send me emails stating that it will be finalized by this or that date. This hasn't happened, they mis their own deadlines. I can understand that in this day and age that there's a lot of ***** and that certain procedures need to be followed. These procedures might work for the bank but they penalize their clients. If the bank is going to take 5 months to finalize a claim, the very least thing they can do is to freeze the loan and it's repayments if it is a valid claim and more communication would also help. This ongoing process has been the worst experience I have ever had when it comes to insurance claims. Overall I have always been very happy with the service that I've received from them but this is dismal. Luckily I have the cash flow to cover me while this disability claim is being processed but imagine if you rely on disability cover for emergencies and they take 5 months to assess the claim. Would your husband or wife be able cover your expenses while the bank takes around months to process your claim?