Shocking service FNB Life

I am shocked with the service I have just received from FNB Life. I took out loans with FNB and was no sooner contacted by FNB Life to cover these loans. Almost a year down the line, the business I have been employed by is now in dire straits and has unfortunately shut down forcing retrenchment on all staff. I sent in my claim for loss of earnings yesterday and received an email today advising that my claim had been approved. I then received an sms advising that my claim had been rejected. I called FNB Life to initially be advised that the claim was approved. I was then placed on hold for awhile and then advised that the claim is actually rejected due to the fact that I was employed by my husband's firm. They referred to it as a family business. Under no circumstances is this a family business. My husband is the Sole Member