Incompetence of Liberty group South Africa

I'm highly disappointed with Liberty group, insurance company.We buried my mother this past Saturday but we couldn't access the money from her funeral policy,that she had with Liberty.When my brother went to claim,we found out that my mother was the beneficiary of her own funeral policy we saw it in black & white from the documents.As as result of this we were not given the fund bury,we had to a make a plan.I was appauled at their incompetence & stupidity,how do you allow a person to be a benefiary of her own funeral policy? I've never heard of that ever! I wondered as well the agent who assisted her back in 2001 when she took this policy,how & why did they allow? Whoever that agent was why didn't they advise my better to make the right decision to choose another person to be her benefiary? Isn't that their job as insurance agents to advise our parents on such matters? My mother was not a learner person I'm definitely sure,she didn't even know what she was doing she should have been advised better by the person employed for this! Now as a result of this we're being sent from pillar post,in order to access the money.Certified copies from all of us to prove we're kids, affidavits & court to obtain a letter of authority,we must now run up & down because of their own stupidity & incompetence why??? A question I have for them & I want an answer if my mother was her own benefiary then why didn't they deposit the money into her account? & Save us the stress & the run around that we're doing now post the funeral. Liberty group S.A train your staff properly before you allow them to assist our parents in opening policies & make sure you hire competent people who can actually do their jobs! My name is Duduzile Rachel Miya daughter of the late Nombuso Vinah Miya.My email is *** Cell no ***.I expect a reply from you as soon as possible!