FNB Consultants not very knowledgeable

FNB very disappointing!!!!!!! I wish to express my dissatisfaction with the feedback I received from FNB regarding the drafting of a Power of Attorney for my banking affairs. The enquiry was made on the recommendation of my Wealth Fiduciary Adviser, since a general Power of Attorney is not valid or accepted by banks should someone need to attend to my banking affairs in the event of serious illness or temporary incapacity. My request was straightforward: I wanted to appoint a trusted representative who could manage my banking matters on my behalf in the event of disability or illness. After numerous phone calls and visits to the bank, the consultants did not understand what a Power of Attorney is, and secondly, I was referred to various departments, after which the legal department informed me that I am required to take out legal insurance to have such a document drafted. This requirement is both unreasonable and unacceptable. A Power of Attorney is a standard legal instrument that enables a customer to safeguard their financial and personal interests. It should not be conditional on purchasing additional products or services from the bank. I want to know : Why FNB insists that customers take out legal insurance before being assisted with a Power of Attorney. What is proper process to follow to have a Power of Attorney (bank approved) recognised and recorded for my accounts without being forced to purchase unrelated products.