Covered money not showing

I have been paying my policy since 2018 and i have never skip payment or to claim..I was suprise when i call then on the 4th may 2020 i wanted to update my new surname..then the lady said my father is covered but with R000 amount..how come every month you debit my money tgen today u saying there is no money showing if my fater died ..i need to no how much is he covered for..otherwise im gonna sue you