Worried client

I have a funeral cover with Regent life for a long time but my experience with them has never been good. In 2014 my father passed away who was covered in the policy and the payment for the claim was paid after he was buried,I had to go around borrowing money to cover my share for the funeral and recently I app**** for a cash back which looks like its gonna take about 10 days to be paid and my question now is,should the unfortunate event of loosing the loved one strikes again,am I gonna go around borrowing money for a funeral for funeral or if I die myself will my wife stress and for money because they for pay promptly.