funeral cover

I am an FNB client and have been for more than 10years so when i started with them i opened a funeral cover for me and my father and that time they did not have an option except the 5000 cover so now that they have options i called them to ask if i can upgrade my cover since i always wanted a better cover for him,to my surprise they told me that i cannot upgrade.They told me that i have to close the current funeral cover and open a new one and with the new one i will also have to serve waiting period but now i am not happy with that because it means i am going to forefeit all the money i paid and FNB doesnt care about how this whole situation affects me as their client.