No payout on funeral due to Sanlam negligence

I am writing to make a formal complaint against Sanlam their and the advisor by the name is Keiyaam Damonser who failed provide information or just held information from the policy holder

My Sister has 3 policies with Sanlam

The Death /Life Cover Is combined with a funeral Policy.

My complaint is that how come a funeral policy was taken with no benefiary loaded, We called the claim department and we were advised no benefiary.

The primary Policy holder passed on last Wednesday,what are we going to bury the Policy holder with because there's no money available. I understand the winding of Estates but we need to burry my sister.

With other policies I do understand ,but the funeral one it's for the funeral and we need to burry my sister.

I logged a complaint with the complaint department on Friday 15:30,only got the automated reply. Clearly it was not even assigned to anyone.

My sister is still in the cold fridge as we speak.,we waiting fr payouts.