Angry and disgusted

The deceased passed away due to electrocution. Because he died doing an ******* activity, they declined the claim. On the terms and conditions, it is not stipulated that when a person dies due to an ******* activity they won't pay. Spoke to Winnie from claims department who was arrogant and when trying to find out where on the contract it states that death due to ******* activities is not covered, she hung up. Manager in Oxford Street in East London could not provide answers and apparently the Head office said the claim is declined. This is unacceptable. Premiums were reversed and an SMS saying funds will be paid in 2 working days. What funds will be paid if claim was declined?