Help me

I had funeral policies with sanlam and all of my policies lapsed 2022 when I lost my job. It was on March early this year when Sanlam officials visited at my job and the official said to me I can re instate 1 of the policies and I will be given cash back and there's no cash back and that's what I did and I did receive cash back of 700 and something from sanlam . My brother passed on the 18 of April and I submitted for claim to my surprise they say that my claim was declined due to waiting period how? and when I emailed them quiting this they are not calling me or getting back to me . Today I received a call from sanlam official and we argued and exchanged words because she wanted me to agree with what she was saying by force and when I was trying to explain I got angry and swear at her an dropped my phone. IVE BORROWED MONEY FROM PEOPLE AND BURIED MY BROTHER NOW IAM IN DEBT AND PEOPLE WANT THIER MONEY N SANLAM IS PLAYING HIDE N SEEK WITH ME. I NEED HELP PLEASE ASSIST 🙏 😭