Doreen Davis funeral and services

ok guys... doreen and i set up to cover our funeral expenses , she passed away thinking we would be all set and not have to worry about things like i did with dans.. however the coverage she had has a two year clause in it, meaning if she passed before the 2 years we get back what we payed in. we had the policy for a year and a half.. so instead of the $10,000 we thought we would be getting .. we will receive less than $900. we are scrambling to get money and expenses... we live on fixed incomes and no way to make extra... the girls have come up with what we could get. we are still going to be way short of what is needed... im asking for any help from any source... SHE PASSED AWAY THINKING OUR GIRLS AND I WOULD NOT HAVE TO DEAL WITH THIS CRAP.... that im glad for... we have struggled so we could do that for them and to find out it didnt work is a shock. i hate to ask for help i hate to feel needy but at this point i am in need and im asking for help
A LITTLE MONEY FROM A LOT OF PEOPLE ADDS UP .. PLEASE..
THANK YOU....