My father passed away a few months ago

Hello, I am coming to you all today asking for some advice from someone who might know more.

My father passed away in April. He got a policy in January. He told me it was for 100k. 50k each for me and my sibling. Well he passed due to drug usage and only a few months after the policy started.

After he passed it went to my siblings name. Now they never knew I knew about it and are telling me that the amount they’ll get might barely be 20k. Which I’m getting a very small portion of.

Regardless, my sibling is telling me that it’s so low because the policy wasn’t open for long, he died due to drug usage, and because they have to take taxes out and all his debts first.

Are these red flags or is what I’m being told true? Does it all depend on many circumstances? My sibling has a tendency to lie and the whole family knows it so it’s hard to know what’s the truth.

TLDR my father told me he had a policy for 100k but when he passed my sister is telling me it’ll maybe be about 20k for various reasons, is that how the policy would work?