False advertising of Death benefits

My mother had a TFG account just for the Club (death benefits), she had this account for over 4 years and paid for Platinum club. She passed away at the age of 71, now they don't want to pay out the R 10000 as they only pay that amount until age of 65. in the meantime she was thinking it there is no age limit and paid the more expensive amount. They should automatically remind the member before the age of 65 that the club should downscale, however they just take the pensioners money without saying a word! if do feel this is unfair as i found a statement for July 2014, so she should qualify, however on their system she was a member from Aug 2016. something is not right here. i will not recommend anyone take out a retailers funeral plan or death benefit