Plea for Assistance

I took out a policy for my brother and sister, separately, just discovered last year when i visited the branch that the policy has been changed, meaning that i can pay lesser premium for a better payout. I have been trying to to migrate this policy however because my brother isn't someone that i see most of the time i cannot. Was given an option to open another policy but i cannot be due to lack of funds, the other problem is that,im not the benefiary,the beneficiary is someone I dont even know, but im paying for the policy,how can i be paying for a policy that i dont have signing power for? its been more than six months trying to migrate this policy,my plea is for std bank to please assist me as im desperate