FNB unrealistic Home Loans requirements

FNB Home Loans I have recently been approved for a home loan from FNB. My partner and I are both FNB clients and have exceptional credit standing. we have taken out Life and disability polices with Old Mutual to cover the bond amount, however Fnb seems to be looking for every loop whole to not accept those polices and insist on us taking their Mortgage Protection plan. My partner and I are both corporately employed and therefore also have income protection and disability with our employers. After months of back and forth, FNB now insists on a retrenchment cover alongside our polices still in place. I have found a policy schedule of FNB Mortgage Protection plan online, and it doesn't state any retrenchment benefit. The Mortgage Protection plan simply covers death and disability, which I am covered for above and beyond considering my corporate benefits as well. Taking this Mortgage Protection plan will ideally insure me 3 times which should not be legal.