It is hard to be reasonable when you pay for years so that when someone dies there is enough money for the undertaker and then when that day arrives you cannot get the funds. They are not at all prepared to accept the "cancelled" stamped ID, affidavids or even the undertaker's account. Even though they are not prepared to honour the policy, they still refuse to return the installments paid in. All this because DHA officials did not do their jobs correctly. The thought has crossed my mind to go sit in their offices with a shotgun until they sort it out and provide a death certificate.