Incapable to change beneficiary

My wife and I are both retired and have funeral policies with Hollard. We have tried on numerous occasions to have the beneficiaries names corrected as they are not correct. I have phoned the company. I have written to the company and the only change that was ever made was incorrect. My wifes names are not correct and in the case of my death how will this benefit be made available to her. A person from Hollard once informed me that the spouse automatically would receive this benefit. But what if this is not the case. This might sound like a small issue but it is, important to us We need to have the benefciaries corrected as the id numbers of the life assured are also not correct. Is it perhaps because the premiums are small and that we at this stage of life cannot change insurers?<br> Please assist us