Unable to access funds for emergency financial assistance due to global pandemic

I have a retirement annuity policy with OM. Requested a withdrawal, but was declined. Policy nr. ***5. Was assisted by grace de bod. The consultant declined, without considering that I informed her that I am unemployed, have no income to afford my daily living expenses and that I suffer several chronic illnesses for which I require daily medication and cannot currently afford it. I even asked if I could make a loan against my benefit.