worse insurance company and false advertising

recently I made a complaint about frank insurance and their excuses and their investigation on my brothers life policy that was supposed to be paid out, From the beginning you could see that they were not going to pay,

my brother passed away after 10 years of having the life cover with frank insurance, the premium increased every year but the amount never,

the only reason we took the cover with frank insurance because they were underwritten by standard bank and liberty but now seems that they take your money and make excuses not to pay.

my brother had a n accident years ago, he thereafter had his one leg amputated and I was with my brother at the time of the insurance calling him, they never asked him this question below that they stating now and everything was done on the phone with them, they only asked him to go for HIV test.Questions: (In the last 10 years, have you been prescribed treatment for more than 2 weeks for any health problems? )

even in saying that, my brother never took chronic medication, he had no heart issues or anything, even without one leg, he worked as a car guard and he used to walk distances with crutches , we had the insurance for over 10 years, my brother eventually passed away last year august in his sleep. we did not take a disability or dreaded disease cover or anything of that sort, it was strictly a life cover and now frank insurance refuses to pay saying that we did not disclose his leg injury, his death had nothing to do with his leg but they still refuse. they had false advertising and if liberty and standard bank is associated with them, I can only imagine what issues we will have with those companies, I have all my policies and investments with standard bank and liberty and I'm currently taking it away due the issue with frank insurance.

the worse insurance company ever and I feel if any one has any covers with them, please cancel as they will definitely give problems as from the day I made the claim, their attitude said it all, that no matter what you provide them, they will not pay. I currently have the ombudsman and my lawyer on this.