Total Disrespect to Clients.

My Dad had a funeral policy with FNB with the underwriters being Liberty. The policy premiums were paid by myself and i am the beneficiary. Sadly, my dad passed away at the end of November and I have requested FNB to cancel the policy as the policy holder is deceased. They have forwarded the request to Liberty to assist. Liberty has contacted me requesting a letter confirming the cancellation. I have already provided an email to FNB to cancel the policy and now why is Liberty requesting a letter. This is very frustrating. Also I had requested the cancellation weeks ago and Liberty only responded recently with their request for the letter and now the policy premium has gone off my account. This is so sad that a both FNB and Liberty treat their clients with such disrespect. I need urgent assistance with the cancellation of this policy and refund of the current premium.