Payout out Funeral Plan

I took a funeral plan with Old Mutual last year in July . I received my contract where I covered myself, my grandmother and my boyfriend. My grandmother passed away on the 22nd of May 2015. I then went to Old Mutual in Mpumalanga as that is where she was staying. A day after I was called by the consultants informing me that my claim was rejected because there is a 12 month waiting period before my grandmother can be covered. The consultant informed me that if my grandmother did some blood test, there would have never been a waiting period of 12 months. My financial advisor then did not inform me about this matter, and it was nit even indicated in my contract. I spoke to Old Mutual Sandton and they said there is nothing they can do about this matter. If they can not pay-out the fees, then they should pay me all my premiums from last year .