Freedom Life Insurance review: Money owed for paying over 18 years on the policy

In 2004 my husband took out insurance with freedom life on him and I.. For over 18 years my husband paid in $16.67 every month and he passed away in November 18th 2022 never used the policy and they kept taking out the monthly premium a few months after his passing and they are telling me they only owe me $16.67.

In 2004 around the same time he also took out another insurance policy through Washington national and within a month of his passing they paid me for the 18 years he paid in and I feel freedom life is taking advantage of me and I'm gonna have to contact my attorney. I have every bank statement and original policy agreement.