Life Cover claim rejected

It's six months that my Dad passed away .Claim was logged with momentum .Momentum then started finding ways not pay the claim stating there was non Disclosure one being that he was a smoker and he did not tick the box on his application form yet there blood test done and cotinine test and Hiv. Momentum will use every trick in the book against you when it comes to claim stage but In this case they messed up did not do proper underwriting did not issue a health loading on a 76 year old client .Don't ever take out life Insurance with the and if you have then you could be in trouble make sure that every aspect on your policy is question keep all underwriting requirements on hand ask for it keep ask for a copy of the application you could be paying a premium for years and when something happens they intimidate you in the time of grief .Stand your ground for what you believe is injustice .Life policies are ment to help the family in case of loss weather you 18 or 90 they are required to do a full analysis before a policy is issued but In this case they failed and are now looking for reasons why they will not pay .Never take out a policy with them there are many life companies that are true to clients so always read reviews before you allow a policy to be issued .