Non pay out

When you take out a life policy and you go through all the medical tests and you get accepted then they will tell you that in the case when you pass on the policy will pay out with in 48 hours??? Dont be fooled by all these falls promises. My life partner passed on 17 May due to injuries sustained after being involved in a motorcycle accident. All documents needed by Momentum life insurrance was mailed to me. I submitted all and the process started. It is now 3 months later......no end in sight for pay out. The one excuse after the other. Im so sick of momentum.. The loved ones staying behind should have at least something to look forward to after paying for so long towards a future. I feel so sorry for people less fortunate than me that would have to go through this .