Unpaid funeral policy claim

I have a very very bad experience with SANLAM. I recently lost a child and when I went to claim I was informed that my policies are on a waiting period, whereby I was assured by a SANLAM consultant that my policies were replacement policies and will not be on a waiting period following the 'Waiver period'. Up until today I am being given false hope of payout. SANLAM funeral plans/services has turned my finances upside - down. I regret the day I went to SANLAM for funeral plans.