Unable to get an explanation for cover limits

I just tried to get funeral insurance. On the second conversation I was informed that there was no cover if someone is out of the country for more than 3 months at a time. The lady could not explain why, nor could the second who got super irritated because after repeating what I had heard 9 times already I was still asking questions. She then told me it was the law because your residential address changes ? HUH ? She THEN proceeded to talk over me and get irritated. Hardly super customer service. <br> My husband works as a contractor and is on a 5 month out of the country contract! He has not emigrated. He returns home and lives here. I am not asking for the body to be repatriated, just that a standard funeral be paid for should my husband die while working at his job out of the country AFTER his body is returned to the country....just like they would have if he was in SA when he died. Incidentally, Hollard Insurance will pay his life policy out with NO problem.<br> I am not impressed, especially with the lady who got irritated and refused to listen or understand or explain. Or pass me to someone who could explain. Super annoyed and disappointed!