Rejection of payout

I would like you guyz help me with the solution how now do i pay my policy that ive not claimed fir as noe there's no option that allows me to pay for the rest if the policy that i have with them ive 3 people covered including myself hoe do i go about paying for the rest of the policies if anything happens to people ive covered as im not in a good state in help will my 15year old son and my family have to go through this **** that im now going through it's that hard times that ive never thought i would go through with capitec in need answers as soon as possible or should going snf get another funeral policy somewhere else i would appreciate your help