Unhappy client

I opened a funeral cover at standard Bank way back more than 20 years ago. My sister in-law was insured with 10 000 and they were debiting my account every month to my surprise my in laws died Sepetember last year 2025. Then I went to standard Bank in Alexandra plaza to claim. They were also not sure why he is not showing on their system but the contract they send he is showing. .it looks like they are not sure on how to resolve this problem , and the Branch manager tried to assist so I owe people money for burial cause I know that he was covered. Now standard they are unable to help me with this matter. Please help I am a pensioner so I need my money. Someone has to take a blame. All along am rejecting other funeral cover I was telling other banks that am covered with Standard only to find that am lying to myself. Please help.