Funeral policy claims

I submitted a funeral claim to both old mutual and sanlam on the 29th April 2026, no payment received instead I'm going back and forth submitting documents that were already submitted till to date I didn't receive money I had to make loans to burry my loved one. I understand that they need to verify and process everything but I don't have the postmoterm resusults they are looking for police report has been submitted till to date and I was told by police it always takes more than 6 months or a year, so where will I get it. My siblings insurances paid but long term insurer failed me,. What must I the do