Liberty life funeral plan claim query

Hello Peter as I'm writing this I'm very disappointed, miserable and hurt my tears are actually rolling down my eyes I'm an existing customer of Liberty Life for almost ten years I've been with them I think as from 2014 I have Funeral plans with them and then 2021 I added another policy with them for my late brother who passed recently Then last year in end of November for some personal reasons that I can't disclose in public I requested for cancelation of my brothers policy which is policy no *** and I did received a letter of confirmation from them on the 5th of December confirming that the policy has been canceled as from the 1 of December 2023 but up until today im still paying for my brothers funeral policy the payments are uptodate

Then on second thoughts in January 2024 I got in touch with my financial advisor from Liberty because I wanted to reinstate my brothers funeral policy that I canceled on the previous month which was December and I wanted to add my second brother she said no problem I signed documents on 8th of January and I took the policy so according to me my brother was covered again and because I'm not the financial advisor I wasn't aware that this policy will have brand new waiting period of 6 months and according to my understanding when you have an existing similar insurance with another company and you want to go to another insurance company you produce a proof to them of your old policy to show that you have already done the 6 months waiting period so that they will just continue with the policy and with liberty I canceled and on the following month I went back to them took same thing and and still paying till today never missed even one premium and now my brother has passed and bare in mind that I'm still debited for him plus he has another policy with them that is apparently starting on the 1st of March but was taken in January it's on 6 months waiting period is this how are we supposed to be treated by the insurance company's and when I called the lady told me that they're going to refund me for the premiums deducted after cancelation and I asked her about the policy that I reinstated in January she said they can't pay because it's on 6 months waiting period so what's a use of staying with the same insurance company for years if everytime you need a product they put you on hold what are the benefits of being a loyal client to them and stay with them for years Anyway I don't want a refund I want my brother's claims to be paid in full that's all