Funeral policy not paid for until after the funera

Its clear that Hollard does not give a damn about their clients. How do you get a agent to call us and have guts to say the funeral policy pay-out will only be paid out after the funeral. I will take the matter to the Insurance ombudsman. So if one staff member is not working then Hollard shuts down. Someone pls tell me that how are we suppose to bury our uncle. Im going to find you CEO to resolve the matter if need be