Unfair practice.

I had a funeral cover with Nedbank for many years. The have introduced a new funeral cover which i feel that it's value for money. I added my husband on the policy. I was paying R49 per month for payout of R20 000. When I saw the new introduced policy its R90 for both myself and my husband and the payout is R30 000. I took advantage of the policy. I called the call center and wanted to cancel the previous policy in order to take the one that will include my husband. What is frustrating me is that they still want me to have a waiting period for 6 months but I was having a funeral cover with Nedbank for the past four years. As far as I know, only my husband must have a waiting period. If something happens to me my family will not get anything whilst I was paying for the funeral cover. I keep on requesting not have a waiting period but it looks like its falling on death ears. Please assist with this change.