Discriminating against my medical problem

About 20 years or so my mother app**** for live cover for me, first with Sanlam who declined me then We tried Old Mutal who also declined me because of my leaking hart. I am 38 today and still alive and kicking, I just feel that it is unfair that they decide to play god about who is going to live and who's going to die. I could have had maybe two pay outs from both companies should they have coverd me back then. Is it possible to sue them for this unfair **************. I am as healthy as any one else here at my work place in fact my fellow workers are more off sick with flue etc. Old Mutal and Sanlam should be black listed as financial service providers