Funeral cover payout

My sister had a funeral cover with Sanlam/ channel life, she passed away on Monday. Yesterday we went to the offices of Sanlam non client care offices in JHB and Stephanie told us that we can't claim hence my sister didn't have a beneficiary she then ask that we go to the master of the high court to get a letter of authority when we got there they advised that why is the insurance sending us to them because it is a funeral cover and not a life cover and the deceased has minors so they can't issue that we need to go legal aid for assistance and it will take three to two weeks for us to get the letter.<br> <br> Now my question to Sanlam is should we wait two weeks before burying my sister? And why do we need to have any issue when we suppose to claim?<br> She has a funeral cover which means the money needs to assist with the funeral arrangements <br> <br>