**** attachment insurance policy on Finchoice

I got a loan from Finchoice two months ago. I app**** online and when I tried to skip the part where they want one to fill up details for the insurance policy they wouldn't allow me. I had no choice but to add a beneficiary but I didn't enter all the details for the beneficiary as I only needed a loan and not an insurance. Later one of the Agents called me to get details about the beneficiary and I told her I had no choice when I filled up that insurance policy as it's attached to the loan yet it's not Finchoice. I sent the email to ask them if they can remove the insurance and they said my money will not be deducted but they are deducting money from me for that policy evem though they don't have details of the beneficiary. I wonder if anyone has experienced something similar. I don't understand why they would take money from me for the policy that I don't have.