Policy premium still ongoing although insured amount fully paid

My Grandmother was about 72 years old when she joined Clientele lasting Dignity Cash Back. Due to her age they gave her a policy with a payout value of R15035. He current installment is R487.76. She is now 80 years old. She has had this policy since 2010. I'm sure that they did not expect her to live that long. She is still paying for this policy. She has over the past 8 years contributed well over the R15000 payout she will receive. She is very old and its very unfair for her to be paying such a high premium with a small payout. She has 2 policy's with Clientele and the second one gives her R5000 payout for only R54 she took this one in 2001. It would actually be much cheaper for her to have 3 of the R54 policy's than this big one that pays only R15000. Can you please investigate as to how she can be accommodated. She is old and its also unfair if she cancels to be given nothing when she has been a loyal customer all these years. We trust you company as an organization that cares about the people and are there to help. Please advise on how she can accommodated. If her policy can be stopped with full payout when she passes as she has already paid more than double the payout benefit or if it can be adjusted to a lower more manageable premium .