Funeral policy issue

I have taken out a funeral policy for my parents in 2007 making my dad the main assured and my mom the beneficiary. We unfortunately lost dad in June and while I'm impressed with the service we got, I'm now left frustrated because it was communicated with us that once the waiver comes to an end( after 6 months) I will have to confirm if I want to continue with the cover or not. I've tried contacting Standard bank to indicate my interest in continuing with the policy., however I'm now told that Standard bank no longer has a cover where I could just be the premium payer and not be covered but that I have an option to either take a new one and cover my mom or my mom should take one with them. She is 67, a pensioner who is in the rural area, there was never communication with me regarding these changes even when we registered the claim for my dad, I need this resolved as I cannot afford to lose something that I had for close to 20 years just like that..I've lodged a complaint with the complaints department and I'm yet to get the mail to acknowledge my complaint