The Unlimited misleading people!

I am so ****ed right now. This insurance company promises that they will pay out within 48hours after the death of a person, my husband passed on almost 2months ago. So today I call them and ask how far the claim and bare in mind no one from this company ever communicates with you. I get told that my claim has been rejected due to the fact that my husband passed on because of a pre-existing medical condition. This was never communicated to me and I have never received policy documents from them. The agent that sold the policy to me, told me that pre-existing medical conditions are covered. If I can give you a piece of advice, never use the unlimited as they mislead people!!! Their service and communication sucks big time. You don't deserve to be in the insurance industry!!! ??