LET DOWN BY FNB AT TIME NEED

I have a funeral cover with FNB and I have had it for years, on Tuesday my niece passed on and I submitted a claim on Wednesday and as per all my policy documents claims are paid within 24 hours, with that confidence I went ahead made arrangements for the funeral to be this Saturday as I write this I have still not received the funds. It’s 4am and I not had any sleep because I have no other way of funding this funeral. I feel let down by FNB. Culturally we suppose to bring her body home today for the burial tomorrow however I can not do that! And yesterday when I called I was claims take 48 hours which is not on the policy documents had I know it is 48 hours not 24 hours I would have not arranged for the funeral to be on Saturday, first time claiming and it has caused me so much stress and anxiety.