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So i was declined by absa for live cover with no valid explanation to date,i have received a number of call which they have admitted to my decline possibly being unfair and the possibility of the whole procedure being not conducted in accordance to the consumer standards and that the employee had been coached after declining me, had i not take this up it would have been a dead end ,which raises the question,how many others have been discriminated due to this and had to just take no for an answer and not being able to have peace of mind that they loved onces are taken care off should the bread wiñner be no more,its not a loan its life cover and everyone and anyone should be entitled to it regardless of they past, present or future circumstances.i requested a formal letter of decline with a reason which could not be provided.now i am applying for another product so let's see the outcome yet again.i will update as i go along