Funeral payout delayed - not even assessed yet after 4 days - what's the point of taking funeral cover with Hollard

My dad took out a funeral policy with Edgars and the cover is with Hollard and IUA Business Solutions processes the claims. My dad passed away Sat 20 Aug. As soon as I had the death and all other docs required to submit, I did so Wed 24 Aug. I called IUA the Wed as well to confirm that I have uploaded all the docs and that they must please process the claim because the funeral is on the Sat 27 Aug and I need to pay the expenses for the funeral. I checked Friday morning 26 Aug online and the last note was on 25 Aug saying the docs were submitted to the assessors for review. It is now Mon 29 Aug and they still have not paid.

This is absolutely ridiculous. What's the point of taking funeral cover if it does not pay out fast enough to pay for funeral expenses. I had to borrow money to pay for my father's funeral. The consultant at IUA was so rude and stroppy with me on the call this morning. Although she said she will escalate it with the assessors to assess it today, yes because it is still not assessed, so that we can get an sms today. What is the importance of the sms if it's still not going to pay today. The sms will only tell us whether there are further outstanding docs or that they will pay in another 48 hours. Bad bad bad service Hollard and IUA Business Solutions and Edgars.

We need the funds paid out today!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!