Non Payment of Funeral Benefit

I took a Funeral Policy for my mum in law. When i contacted Hollard to process the claim they mentioned that they cannot due to a waiting period of 6 months. They advised that i can view my policy schedule and it will be stated. I have reviewed my schedule and advised there agents that it is not stated. I received a letter from Hollard in October 2015 welcoming me to Hollard stating that i am covered.<br> <br> The funeral policy that is sold via telephone is not clear on the terms and conditions. I have requested the voice recordings with no joy.