unfairly treated by metropolitan

Complain about metropolitan Kindly assist me my husband passaway on the 11th of September 2018 due to car accident he was having life cover with metropolitan I did go and make a claim on the 30th of September 2018 at springs region. After two months i did receive a letter of decline they say my husband didn't disclose his HIVpositive status when he take the cover, but my surprise is that my husband pass away due to car accident not illness I was so surprise when they gave me dread disease form to give our regular doctor to fill them and my husband was having two life covers the other one was little and when we bought a new house he take the other for plus minus six hundred thousand rand is the one they decline and pay the other one of fifth thousands and they did mention to the letter that even if I can go to oumbadsman they will not pay and they mentioned some of the act that I covering them. I was so frustrated and decided to take a lawyer he did write to them in the first week of November up until now they've never responded to his email and am struggling because now am paying the bond with my salary and I must also maintain my kids since am a single parent. Kindly assist Regards F.E.Nhlapo