Life Cover

A few days ago I went to my FNB app to take up a life cover or rather to get a quote.. I declined by the app.. then a few days later which was yesterday I got a call from a consultant at FNB saying she is gonna assist me with the quote.. she asked a lot of medical questions that I thought were discriminatory, unjust and unfair because of my condition, unfortunately she took about 10 minutes of my time to give a response that she's unable to give me a quotation but will refer my application to the "underwriters" who then called this morning at about 9:00am who ask me the same questions the other consultant asked me.. but this time in depth.. so I answered all her questions to my best ability.. I'm not a doctor! My quotation was declined on three reasons I don't understand..