EDUCATION POLICY (WAIVER)

I was informed by the spouse of my sons late father Sibusiso Landlord Lushozi , identity number: *** 08 6 who passed away in 2013 that he had an educational policy (waiver) policy number: 69668N*** with old mutual, we went to old mutual in Alberton to inquire about that policy, we were informed that yes Thando Hector Radebe, identity number: *** 08 6 has an Educational policy but we cant excess it only him can when he reach the age of 18, we then proceeded to old mutual on the 12 June 2019 but we could not view the value of the policy as they needed to ask for them at their head office, later i did a follow up with customer care in writing as we needed to find out how much is there when does it reach maturity because we wanted to save it for his Varsity planning but I was told that there is R631.44 which was not enough and I was told at the Alberton branch that there are funds available and also was informed by Courtney Mc Cree that the policy elapsed in 2013, i do agree due to the main member passed away in April 2013 and according to my understanding he took a waiver policy in case he passed away. Kindly let us have the clarity on how there are no funds?