Life insurance not paid out

I took out the funeral policy cover with Metropolitan in 2014 May, and covered my brother Kwazi Eugine Ntanzi who was born on 23 September 1991. On joining the policy I was not informed about the waiting period of two years on suicide cases. The two years waiting period waiting was going to be on the 25th of March 2016, I unfortunately lost my brother whom I had covered through suicide on the 07 March 2016. when I went to Metropolitan offices in Pietermaritzburg, I was informed that due to the fact that the deduction for march had not gone through I would forfeit the cover, thus no monies would be paid out to me for funeral arrangements. This has led to my whole family being stressed and having to go to loan sharks in order to get the money for the burial of my brother. I was very disappointed at this as no means were done to mitigate the situation,. I was not even asked to pay the march premium upfront or anything like that. After this experience I'm considering changing my policy to another company.<br> <br>