Cash Out on a 5 Star Policy

I have a lady 77 FNT in a wheel chair with three policies for $1700, $5000 and $15000 three different companies. I met with her and her youngest son, his wife and grand daughter last week. I got her approved for a 15K premier at UHL. We did a three way call to get the info on the 15K at 5star. She is paying $68 per month and has $4900 in cash value.

When we called to cash in the policy they said they could not let us do anything because the owner of the policy was neither the insured nor the brother I was working with. They refused to tell us who the owner was. They called the youn
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