I opened a policy for my mother and she passed on after a short sick bed 5 days before she was covered according to Old mutuals policy application date

I opened a policy for my mother and she passed on after a short sick bed 5 days before she was covered according to Old mutuals policy application date. She would have been covered on the 16th of January 2025. Death is something we cannot control. Old mutual is not going to pay out they are refunding my premies. If she lived 5 more days she would have been covered. This really breaks me to the core. I am so disappointed in Old mutual