Well ...
I wanted to buy an appartment and I wanted to cover my loan with a life-insurance so that my girlfriend has everything paid if I die ...
... like you, first I experienced 3 negative answers ... then you have few choices :
1. you give up ...
2. you talk to some journalists and try to get some public coverage ...
3. you go and see a lawyer as it is illegal and against human rights ...
4. My method

you get in touch directly with the CEO of a very famous bank and *miracle* the guys that told you "no" the day before, he phones you back with apologies and your contract is ready for the following day ...
Was I lucky ? Probably ... but perseverance is always good.
Of course you might have to pay a bit more than an AB ... but don't push your luck too far. It is already difficult to reach an agreement with a bank
Cheers
DA
Edited by DarkAgdistis, 24 May 2007 - 12:22 PM.