Unhappy Customer who will go to highest courts

My Sister in Christ lost her Brother he died the 12th of July, he stayed with her and she took care of him as he suffered a stroke and was challenged in many ways. The Brother had a funeral policy that they brought through the Shoprite/ Checkers chain stores as per the receipts they received after paying diligently every single month, on the receipt is written, Freedom Life R430./ Insurer as per receipt is Old Mutual Alternative Risk Transfer, of which i know OM is the underwriter, i also know that OM might not be aware of this, but be as it may the benefit was a funeral policy and it never defaulted, however my Sister claim was declined, a straight forward funeral policy. She went to shoprite in search of help of which they promised to assist. I am seeking justice as this is unacceptable and she still needs to cover funeral costs as she had to loan money. One thing certain my experience with OM has always been a good one and they find every reason to pay. If its a broker as per the receipt please give this your urgent attention as the policy was purchased at shoprite and we have all the receipts to validate the claim.