confused and agry

in 2013 i opened the ULTIMATE DIGNITY PLAN with clientele. per telephone conversation we agreed that R50 000 would be paid for each adult beneficiary and a lesser amount for 1 child, i cannot remember the exact amount, 15k or 20k. now i am surprised to learn that all beneficiaries is covered for 29 700 for each. the premiums went through, the premiums increased each year but the pay out amounts decreased and nobody at clientele can give me a feasible explenation why the payout changed. apparently they cannot even find the call of when the policy was opened. somebody please help