Humiliated for years

Don't take a policy with Metropolitan. They are a ****!!! Their consultants don't explain that they only approve claims if the insured life is blood related and have the same surname. I made a claim in June till this date it has not been paid because "they don't approve the relationship". I have never felt this violated in my whole life. Worse, they are still debiting for the deceased 3 months later. They now require affidavits in order for them to conclude the claim. No feedback from them, instead I'm the nuisance calling as if I am desperate. They wanted to know if I contributed towards the funeral, a bank statement was sent but still it's not enough. I demand all my premiums back or they provide me with evidence that upon taking the insurance all that they are doing was explained to me #MAD AS HELL!!!