Unhappy Client

I am not pleased with Sanlam Developing Markets Limited, as I have submitted a claim for my late cousin and they refuse to pay the claim benefits. The issue at hand is with the relationship between me and the deceased which sanlam confirmed that my claim will remain repudiated even after I made an appeal. I did read the terms and conditions of the policy and also accepted them as they were written in plain language. I feel like I am being unfairly treated and sanlam is not at all being considerable for the fact that I am bereaved and trusted that they will cone through as they promised when I signed the policy contract with them. I am not only disappointed with their services but finding it hard to cope even at work because my stress is that I am sitting with a loan of funeral contribution that I need to urgently settle. I have not even misses a premium since the day I opened the policy. Sanlam debited my account for the same policy yet the death was long reported since the time that I made the claim. I called their office for clarity on why would they debit for a policy that is in progress of a claim. The funny part is that they refuse me my rightful funeral benefits and regard the policy invalid yet they still deduct a premium from my account. I really need an urgent assistance concerning the matter as they want to pay me back all the premium refunds from the day I opened the policy which is not fair. Why now? During the time I trusted them to come true.