Hollard life (Funeral Policy claim) a absolute disgrace

This is a absolute disappointment with hollard life (funeral Policy) My mom has been paying for last 8 months and my step father has been on the policy but he passed away in January(which we only payed three months of premiums when he passed away) and we phoned them and asked how long can we wait to put in a claim and they said we can put in claim within 180 days and now we put in a claim a couple of days ago cause we paided the amount of premiums which is 8 months(the minimum amount is 6 months)

But now we got a phone call saying that he passed away when we only payed three months of premiums and can't put in a claim and saying it was too early and put the phone down on us We are a family in mourning and is this a way to treat a paying client

WHAT A WASTE OF ****ING MONEY THAT WE SPENT ON THE POLICY, if you want a Funeral Policy do your research before taking one out and make sure to read the very small fine print