Funeral cover top up

i wanted to top up my funeral cover to pay out more, i was told that i i have to wait for 6 months for payout should anything happen to me or any of my family members. i have an existing funeral cover with FNB for the past 5 years and never missed a single payment , and then Thobile has the nerve to tell me that FNB does not know me for the R60000 i want to be covered for and only knows me for the R15000 cover that i have currently. i trust this bank with ALL my money and they tell me that it means nothing to them, 6months waiting period is too long for someone who has been loyal to them for over 5years. I only wanted my current funeral plan to be topped up and continue with the services that i have loyally been paying for and NEVER claimed even once. i think it is time that i cancel the existing policy and find someone who is willing to give the the service that i deserve.