disappointed

I would like to know what's the need for a funeral plan if Metropolitan does not pay to bury our loved ones. Metropolitan have disappointed me terribly. I was once retrenched and was at home for some months but never missed a payment on my father's funeral. I first went to the branch on Tuesday to submit the funeral claim after my father passed away and after standing in the queue for so long I was told the claim is not done in the branch and the lady gave me a number to call to log the claim.I only reveived an sms from Metropolitan 2 days after I've sent the documents,stating the claim has been received while I was expecting the funds to come through on Friday since the turn around time is 48 hours. So I pay a funeral plan cover only to end up begging and borrowing money so that I can bury my father. Metropolitan has been so selfish with this regard and did not keep to their promise. I'm very annoyed and disgusted by the poor service received.