Universal Life Insurance: Should agent have informed my Moth

My Mother took out this insurance in July of 1985. She is now 85 years old. She has been paying $20 premiums for years,on a $25,000 policy,thinking she would have enough money to cover her expenses,in the event of her death. She still has the same agent that sold her this policy. He is 89 yrs. old. I can't understand why he never told her that she should pay higher premiums while she was younger to avoid paying higher premiums later in life. He just kept her premiums at $20. She now has no equity left. She would have to pay $150 premiums to keep policy in force. My Mother worked until the age of 83 just so she could afford her medications.I was of no help.I've had MS since 1977.She can't afford this insurance now.She is devastated!I am now searching for some kind of insurance for her.I would greatly appreciate any information you could give me!! Thank you, Kathy P.S. She has never taken a loan on this policy