Credit life does not pay out if you are retrenched or let go from a company

I have had a credit card with Absa for years and been paying credit life. In 2008 i was let go from Telkom, due to my age. Since then i have been on pension. However in 2022 i approached Debt rescue as i could no longer pay my creditors, due to illness etc. As i am paying credit life, all types of excuses not to settle the credit card come up. This is typical of insurances. Would love to hear from Absa or let people know that credit life is a waste of time. D.A.Langley