Apple India — Query regarding iphone 13

Today i went to apple store hardwar to buy iphone13. But store staff forced to buy another product because of bundle purchase(company policy... According to store staff).
I agreed on this.
But the store staff presented another condition to me that I would also have to insure the product which would be 10% of the invoice. And refused to sell me iphone 13.
You want to sell me everything in the name of company policy.
To what extent is this correct?
If the company does not have these policies then what action will you take against the store?