Old Mutual Paid Up Policies

My late father has a paid up policies with Old Mutual, and one of the policies covered my late aunt and now she is deceased. As an appointment executor, I submitted documents for the death claim at Old Mutual. I enquired with Old Mutual with regards to the required documents and ways to submit them. I emailed the documents and today I received an email requesting a Late Estate Account that is in the name of my late father. I enquired their reasons for the request and stated my reasons for not having the account as it is no longer active after the estate was distributed in 2017. I therefore sent my bank statement so that we can proceed with the funeral that will be held tomorrow.

Can someone from Old Mutual clarify to me if every time I submit a claim for the people covered on those policies, they will request me to open a Late Estate Account that will not be maintained by them? It costs money to open a late estate account.

Taking out a policy with Old Mutual is risky, as their advisors know that you have an option not to nominate a beneficiary on your policy and that will be a problem in the future for whoever will be claiming on the policy you took out.