FNB life benefits is just a joke

Im going through the worse situation anyone could be going through.I was advised by someone that i could cede a portion of my life cover to pay off my creditors (with fnb loans being the biggest of them all). Twice i got confirmation from FNB life that i could apply to cede and now suddenly it's NO i can't. I even went as far as calling earlier today to see if i could not take out a portion to renovate our property and use some funds to pay off abovementioned creditor but was now told that i can't. I AM DESPERATE AND NOW I WOULD NOT BE ABLE TO PAY OFF MY DEBTS in this life time and thought fnb with their 'how can we help you' slogan would be able to and to my shock the door has been closed in my face.Im so down i could throw myself in a whole and never come out.How can you 1 day say yes and then the next turn say no.What does ceding mean anyway if you will use such scaly ways of not helping