Allow me to bury my father

I am appealed by the service I have received from your company ..I lost my mother who was loaded as a beneficiary for a funeral corver that my father had ..They have both passed on(and have both death certificates) and instead of giving me options like paying directly to the funeral parlour as we need to bury him as that's what the policy is for , I'm told that u r unable to help and the money would be paid into the estate account.. a competitor of yours , metropolitan gives options and not the mediocre service that I am getting from this company .I assumed that you are a reputable company willing to assist in times of bereavement but instead I have additional stress as I am now struggling to bury my father .. according to you where am I supposed to get the money as this policy was intended for exactly that ??? What am I going to do with the money that's paid to an estate when I can't even send my father off with dignity ?