Funeral Policy Claim Rejected

Dear Peter,<br> <br> My mom Moreen May ID: *** took out a funeral policy eleven years ago for her and my dad. My dad Solomon, Clyde May past away on the 23/11/2015. My mom went the same day personally to the bank to put in a claim for the funeral. They told my mom at the bank that the policy is 3 months behind therefore she can not claim. My mom explained to the lady its impossible that this policy could be behind as she always left the money in her account every month. If they say the policy is behind, why did no one inform her, they claim they sent my mom a letter, but she never received it. Something is fishy as someone in the bank told her they had the same incident not so long ago with another couple. They told my mom she can reinstate the policy if she pays the arrears of 3 months R225. My mom will not play with her policy as they are pensioners..pls assist us as my mom had to borrow the R16000 from friends to pay for the funeral and now is sitting with a big debt..Paying the policy for 11 years and not getting a cent is very unfair to a pensioner. Also no one contacted my mom after they said that they will investigate to this day.