Puzzling...please Help

My 93 year old mother has a $20,000 whole life insurance policy that she took out 19 years ago. My sister, who is power of attorney, says that she is still paying on it. When I told her I wanted to meet with the insurance agent to get some answers she got somewhat angry. I'm not pointing the finger but it just seems odd because if you do the math she has paid almost twice the $20_000. Where's that money at?
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