FNB funeral cover is shxt

Fnb funeral is a ****. I didn't know I was gambling with my money when I took out the policy. I took out a funeral cover for my cousin and he was unfortunately killed and the guy who shot him has since been arrested there's an on going court case. How do you then take the word of the person who shot him and you deem him guilty of trespassing before the courts find him guilty. I want my money or the very least I want my premiums back. What you have done is very wrong, I want my money.