Is this fairness

After all attempts failed with Capital Legacy, I wrote a letter to guardrisk explaining and virtually begging them to allow me to pay in the two premiums of my deceased son which would of been deducted the 1st June 2022 and he passed away on the 28th May 2022. They declined my plea but stood good and paid a goodwill payment far over half a million rand to Capital Legacy to wind up a very small Estate of my son. They could not put some of that money to good use for my grandchild but to Capital Legacy instead. Who they are the underwriters off. In a same similar situation they stood good for missed payments on the same matter for momentum and my deceased son's wife got her money which was, left to her on the policy but my son's biological daughter are left to suffer. Are this the way to treat a paying customer since 2016 and just because of financial restraints and passing before the policy was deducted this is declined. I was never contacted but Capital Legacy was, and without hesitation or without even having a meeting or discussion declined me the immediate liquidity.