No Funeral Policy payout

My mother passed away 31 July 2019. She's got a funeral policy with The Unlimited but unfortunately did not update her beneficiary when my father died 2 years prior to her. Now, they do not want to pay out the funeral policy as I am not the beneficiary. I am her only daughter left and I also have a brother. My mother paid them every month no questions asked, why can The Unlimited not do the same? How would I have all the Original documentation - Death Certificate etc. if this was *****. We just want them to pay out the funeral policy so we can put my mother to rest.

They sent me a message telling me that I only have until 20 October to send in the claim.. I see that as someone that does not care, only care for your monthly payment and not what happens to a family that just lost her mother, friend, grandma..