Dealing with claim requests

Lodging a claim request is a complete hassle and payout is not as easy as they say... complete lies. Been waiting a month just for funeral benefits to pay out to be phoned and told that each beneficiary needs to submit their own claim... not jointly even though we all live together... need affidavits stating relations to deceased although you are marked as beneficiary... need 10 years medical history... alll doctors all visits of deceased... just to name a few of the requirements for funeral benefits. When you lodge a claim you have to wait for them to contact you back before you can do anything which takes a week on its own... I am so tired of dealing with this company.