Old Mutual funeral cover takes forever to get, and they are ************* in their dealings with policy holders

My brother passed away on the 23rd August 2025. In the past he mentioned that he paid for a funeral policy with Old Mutual. The following week, I called Old Mutual at least 3 times asking whether he had a funeral cover with them. In each occasion they claimed he does not. I sent an email requesting the valuation of all his policies with them. They came back to me after the funeral to confirm that he had a life cover and funeral cover, but no beneficiaries. A funeral cover of R30 000. When we claim they refused to pay the funeral cover, saying he had no beneficiaries, so the benefit will be paid to his estate. This is a stupid practice. If the person died without a beneficiary to the funeral cover, then they should not be buried? If that is law then you should not accept a premium until a beneficiary is nominated. Eventually, they told us he had a beneficiary for the funeral policy and paid R237. Mind you, this guy had paid for this policy for at least 10 years. When I call I am told the policy had only 3 months, that is why they only paid R237. Which bags the question, why did they tell us the cover was R30 000 to start with? Now we are concerned that even the life cover value they gave us is just smoke stories. The manner they have handled the whole situation is embarrassing for such a big company. It gives the impression they are doing all they can to pay as little as possible. There was zero urgency for a funeral policy, which is meant to be a quick relief for the family to bury their loved ones. Additionally, they never mention that if you don't elect beneficiaries your policies will form part of court proceedings, making them very difficult to access by your dependents. This is something that all insurers do. They are very quick to take premiums but offer no advice to people about dire consequences when they claim. This is a disgusting practice and Old Mutual in particular should not be considered a serious company to do business with. When you die, you are not there to fight them. It is only their word and so far what I have realized is that their word is not worth much.