Inconsiderate Insurance Company

So my mom has a policy that she took out with Hollard Insurance and covered my brothers as they both are unemployed and depend on her, today for some odd reason she decided to get an update on her policies only to be told that my brothers are no longer covered on her policy as they are adults, she asked why was she not notified of the change though Hollard is still debiting the amount in which the brothers were included. Why did they not just debit an amount covering only her. The consultant said no if there was to be a claim her premiums would be refunded. Who wants a premium refund at time of death, we take out policies to assist during such time. I feel Hollard just makes money of people forgetting that others take cover because they need it. Can my mother get a refund of all her premiums paid while my brother was not covered and go look for a reputable company that will ensure her needs are met.