Claim still not paid...lack of communication

The 48 hour waiting period is a myth. It has been more than72 hours now and i am being told they still doing investigation. This is unacceptable, you are quick to sell your policies but when it's time to pay there's run arounds. I now have the stress that you said I shouldn't have to deal with during this time. Please someone assist me, this is bringing so much shame to my family. I have called in so many times and i am told to be patient, the funeral is tomorrow??? How am i supposed to pay for all the expenses and plan?