Disappointing Old mutual funeral claim

I had a funeral cover with old mutual for one of my extended family which was immediately effective and active since Jan 2024, reference number: CEA***, I submitted my claim on the 5th July- Regretfully I received communication stating that my claim is rejected due to 6 months exclusion period. I would like to raise my disappointment, pain and frustrations on the matter due to the following facts.

1. When I took the policy early Jan I was told it is immediately active and effective as a result first premiuout was immediately taken in January, in other words when i claim now in July 6 premiums are already taken (i have proof of that). No one informed me that the 6 premiums means nothing, instead i was told policy is immediately effective and active. 2. No document or policy wording were given to me in order to better understand the policy and understand that the 6 premiums taken by Old mutual will at the end of the day mean nothing to me, nothing of this sort was documented or included in the contract, meaning this was not disclosed. Instead i was misled and advised that the policy is immediately effective and active. Otherwise i wouldn't have taken this funeral cover. 3. I have been paying a premium every month from Jan (which makes it 6 premiums that Old Mutual received) 4. I was given the expectation that the person is covered immediately hence the 1st premium in the same month and that gave me a peace of mind knowing that if anything has to happen to him, he will be covered. Was i told that the effective date or month is Feb i was going to understand the rejection.Nothing was documented in the contract to say effective month is Feb. I am deeply deeply disappointed that Old mutual would operate in this manner and mislead me like this when i needed them the most and in such a difficult time. I still have policies with Old mutual and this makes me doubt their intergrity and honesty towards customers.It is clear that I will not be treated fairly going forward nor would i be benefiting anything from Old Mutual, doesn't matter how much you ensure premiums are up to date.