Sanlam ripping client off payment to bury a parent

Good day

Trust all is well

Urgent assistance is needed, I have a funeral policy (SL***9) which I have been paying for the past 15 years with no claim, I have today gone to claim for my late dad whom I need to lay to rest on Saturday 15-02-2020 a d and to my surprise I'm told I have outstanding premiums dated back to 2013 and and other 2015 amounting to R-+3600 which they say they will deduct in the R11 000 they should payout.

I am not accepting this as this was never communicated to me that should I one day have to claim they will deduct outstanding premiums.

This is the time where I need the money the most, they have been taking my money for 15 years and they want tell this now.

Please assist me urgently as I need the money urgently.