Bank has me in a catch22

Standard Bank is hounding me for payment while I've submitted a claim to their insurance department after my retrenchment in December 2019. All my documents were submitted and the claim was received and registered on the 23rd of January 2020 and since then is apparently being reviewed.... for more than 2 months? I have made as many calls to their insurance as I possibly can, with the same answer every time that the claim s being reviewed. When taking a loan through the bank the insurance cover is not optional, you MUST pay this amount in the event that you are no longer able to make the repayment, but when it comes to the moment where you need to claim, they have no answers and keep delaying the payout. All the while the bank keeps sending threats about the arrears account and that you are going to be handed over to the attorneys but they are putting you in this situation. How can I make a payment if I have no income? I have rep**** to the emails the bank has sent, I have spoken to the insurance, I have explained the situation to the attorney's to no avail. No one is able to give me any answers regarding the payout from the insurance. I'm at my wits end with Standard Bank!