Hollard

Im so frustrated right now since hollard is refusing to pay me, i had a funeral cover with them in which I have covered my brother, when my brother passed on i went to claim and i was told that my claim have been declined because my brother died while committing crime, how did they proved that without going to the the court of law?when am only hearing about this law of not paying for people who died committing crime now that i am claiming? To my surprise when i asked for my policy contract i was told that I don't have.