Refusal to payout my father's Funeral Policy

My father was a loyal client of Momentum for over 30yrs. He had multiple policies with Momentum 1 of which was a funeral cover. When he passed on the 28/03 as our duty to honour him we then paid Momentum a visit & they assured us that all was in order with his account. They went ahead & processed the claim (multiple paper work that required this from the hospital & that from the police etc. On 02/04) Payout was promised within 48hrs of over R 70K, that would be by 07/04. So we then commenced with the funeral arrangement with knowledge of the budget. When 48 hrs passed & no money was in sight, we then took it upon ourselves to contact Lene Van der Walt, my father's financial advisor, who was MIA. We then contacted the office & we were promised a call back. This was on the 08/04. When they eventually called @ 16:30 that afternoon we were informed that my father's account had lapsed. If an account has a problem ur informed the very day u wish to process a claim not 5days later. So Momentum is a diabolic company that will milk u when ur alive & tarnish ur name when u r no longer around to defend ur honour. When we called Lene to explain what had changed sInce she was no available .