Unfair financial treatment by FNB

I took a loan& immediately send my life cover from Discovery to be ceded against the loan so that I can't pay for CPP, they rejected Discovery policy since it didn't have retrenchment benefit and Discovery doesnt have retrenchment benefit cover couldnt add it to my life cover, I then used FNB life cover, they rejected it since it didn't have temporarily disability cover which they don't offer. Now I have to pay R840 monthly for 5 years that is R50 000 plus to a loan, they rejected canceling CPP for temporarily disability which is not offered by FNB life