Funeral Cover conundrum

I am so disappointed to be posting a complaint on Hellopeter.com about Sanlam. I am ordinarily accustomed to receiving excellent service within a decent time frame from said company.

I took out a funeral policy through Sanlam iCover in February 2018 and it has been active since.

A couple weeks ago I added my brother in law to the policy - this addition brought the total of my cover to R100k.

In the terms and conditions document of this policy, clause 4.6 states that the maximum cover per policy is stated at R80k.

I have for a week plus now been trying to get someone duly authorized to assist me from Sanlam - not just call center staff. I was informed by a certain call center staff member that this clause means "each" - per person insured and not in total.

I proceeded to state that surely if this were the case the clause would state "each" after the total mentioned and asked for this in writing from someone from their legal department who sets up these policy conditions.

I also asked the question as to why their consultants who assist customers over the telephone allow clients to add persons and or/amounts that then lead to the policy holder exceeding the maximum cover and not advise the client of this clause condition?

And secondly, I asked the question as to what happens now on my plan.

I'm still waiting for a written response defining the allowed maximum limit on the policy and whether my policy is compliant in terms of their own T's & C's.

The only decent assistance I received was from one of their head office switchboard operators, Desiree T - thank you for at least trying to help me!

Can someone please assist me in understanding what is happening here.