Extremely bad experience

I have put a claim on 01 June at 8:45, the date is now 04 June at 3am. No payment has been made. I need to bury my father tomorrow so how am I supposed to do that? What is the purpose of taking up a funeral insurance if they actually put more stress and anxiety to you? Getting in contact with them is actually the worst pain ever, your phone will be forever but off/ thrown out. This is the worst experience ever!