insurance keeps deducting for the deceased.

I joined regent insurance 2013 i think it was November or September..a guy who works for regent called John cena. He told us that you are covered the moment you join or sign the papers that you are covered. Well I joined. My mother passed away 1february 2014. The same guy told me that they can't pay waiting period is 6months... I was surprised and shocked about false advertising. Well that was not all.. I have been trying to cancel my mother from the policy from that day last year till to date. But they are not removing her. I was told to forward my bank statement. Death certificate. My I'd copy and a letter of why I am removing her. I faxed all those things.. they got them. I called the lady promised to refund me for the months I've been paying while the deceased has passed. She promised to refund me within 3working days. When I call the following week I was told the documents were at the claim department so they had to forward them to admin. When I do a follow up the following month I was told they have no idea of my case. Then the letter came through my mailbox that I can not claim because the waiting period didn't elapse. I just want my refund till to date n my mom cancelled.