DirectAxis charging large once off Credit Life Insurance fee

Good day, My husband, Johan Rheeder, app**** for a loan on the Direct Axis webpage. The following consultant, ADAMS PETERSON (Mr) (Loan Manager Tel: + ********** 1786 Direct Axis Financial Services 108 De Waal Rd, Southfield, Diep River, 7800 Cape Town. Reg. No.: 1995/006077) sent my husband a Loan offer after 2 days of application and even contacted him yesterday to tell him his Loan is approved for R30 000 but he must sign the Loan offer letter. There is a once off Credit Life Insurance charge of: R1799.90. Can you please tell me what this large charge is for to qualify for a loan? Isn't the Credit Life Insurance an amount worked into your monthly repayment? I cannot post my husband's queries and Loan offer letter to Direct Axis's ***** investigation page: *****queries@ directaxis.co.za, it doesn't allow me to, it return the mails.