Good afternoon hello Peter I am unhappy with The Unlimited underwritten by santam

Good afternoon hello Peter I am unhappy with The Unlimited underwritten by santam. The sold us a funeral policy stating that we'd be covered with a six month waiting period. They did not explain that some of the members we'd add would be placed under 12 months waiting period. We recently had a funeral and we found out this new information upon claiming stage. When asked why are they rejecting our claim they said it's our responsibility to check how our members are covered