Disgusted by their service

My husband passed away last year June he had a a policy with Sanlam up until today we are waiting for the pay out. Each time I contact the offices I'm told to that they don't have certain documents of which all have been submitted. When I sent the claim forms they had sent an email saying thank you we have all the documents needed. Now they are saying that they will not payout because we were not living together. What kind of ******* is that! When they were taking his money they didn't say we won't pay if you don't live with your spouse. This money also belongs to our children, one who is supposed to be in University but I don't have money for that because Sanlam is giving us the run around and the one whose in primary you guys don't care about her education,yet your company promotes educational plans. Sanlam is holding his pension fund for themselves. This company ****s it's clients even after death.