Sanlam icover denies my funeral claim (i waited their 12 month period)

I have a Sanlam Icover since 30th October 2018 ,the waiting period for this cover is 12 months .my brother passes away on the 26th of April 2020,i put in a claim with them and they decline the claim sending me an sms saying 'date of death within waiting waiting period, no benefit will be payable. that does not make sense to me why was I paying premiums for my deceased brother from 2018 but when you guys have to pay you saying I never waited the 12months period. iam tired of calling in and being taken from pillar to post and when you finally get an consultant from icover the lines are bad and they don't even call back to resolve my query. Sanlam icover I had to borrow money in order to bury my brother as the claim was placed 6 days ago but still no progress .I call every single day to understand why is Icover not paying for the claim I made because your reason is just absolute nonsense .I hate your service and iam still waiting for a consultant to call...