Credit Life declining claims

FNB credit life has declined my personal loan claim for loss of income due to Covid. FNB initially went public by stating that we must apply for credit life if affected by Covid, knowing that the goverment will pay uif ters. I havent earned a salary from May and because i received a goverment uif covid relief, which equates to 15% of my salary, it was declined. FNB credit life is the only financial institute that i am aware of that is declining claims due to receiving of uif ters. So basically fnb expect us as clients to use that uif ters to pay our bills and sacrifice our well being. Something to think about when choosing a credit life company!!