dissapointed and disgusted in this compay after the passing of husband

I took out a policy for myself with lots of extra's included, I pay a lot of money each month for this policy. My husband passed away a month ago and when I contacted them with regards to the funeral claim for my husband I was informed that I do not qualify for any pay out as they have a 12 month waiting period for death. How in Gods name can you ask someone to not die within the first 12months because there is a waiting period and then I will not qualify for any money. These companies are so quick and adamant for you to join but as soon as you put a claim in for any reason and in my case a very good reason they come with all kinds of stories just to cover themselves. I mean my husband away, I am sitting with all kinds of medical expenses, bills and this money is owed to me and my kids. This is day light ******* not just for me but for all the other innocent people taking out policy's and is not informed of this unfair treatment that this company offers. I will never ever in my entire life refer anyone to Liberty Life. I will take my money and take out a policy somewhere else that I know my kids can benefit should I someday pass away.