Hollard Insurance is a disgrace

Hollard funeral insurance is the worst when it comes to paying out. 4 days later after submitting a claim I still haven't had a payout. I called in after 48 to find out why they haven't paid the claim. I was told of a backlog and that they will start working on my claim asap, simply because I called in. Because of this I had to borrow money from friends so I can finalise the funeral arrangements. What a disgrace that Hollard was quick to go into my account and debit a premium for the month of April, same premium as when my dad was still alive even though I had submitted a clam. There's never a backlog when it comes to debiting customers account, but the very clients are not taken serious