Liberty life no good for life insurance

My husband died on 1 February 2020. I am still waiting for payment after more than 3 and a half years. Customer service and product awareness is abysmal. They don't know correct processes and don't take ownership of problems leaving me, the grieving widow to chase up constantly. Is it not bad enough I lost my husband but now also need to deal with an *********** company. I have lost so much money as I am now overseas and the £/R exchange rate has gone through the floor. They won't pay the difference what can I do?