Hollard Funeral cover payment amount differ from origional signed agreement

My mother ( SM BRAUN) ID *** pass on 20 June 2025. We were never worried because she had a Hollard Funeral life policy. Policy Number:***9. On the documents that was sent a few years back the funeral policy was covered for R15 000. ( we have the document as proof). AVBOB worked out the cost INVOICE which was R14 340. We were very glad. This will cover the costs. When Hollard did the payment in my brothers account so that we can pay AVBOB, they only paid in R11 000. How is it possibile for a funeral policy cover amount go down the longer you pay the monthly fees. ?. Now I had to pay in the difference because no one in the family have money. And AVBOB wanted to sent my mom to Viljoenskroon to be cremated and they needed payment today 1 July. Please can this be investigated?. So that people must understand that Hollard's funeral cover amount become lesser the longer the policy is active. This does not even make sense. I need an explenation in detail from Hollard Life.