Funeral change payment method

I called today FNB today asking them to change my payment method for Funeral policy to cash from June as I am going on maternity leave and there will be loss of income-instead the consulatant told me that its impossible and even when I pay cash they will still debit my account and i aksed who should be liable for the arrears that they will create -i have has the policy for so many years now bt when I am faced with a challenge they refusing its more that they are forcing me to have a mere funeral policy on debit order while i have a home loan with them and they not even debiting my account- I even asked if I should change my banker to a different one because they not being accommodative to me after banking with them for 13 years - why should i be forced to pay via debit order while i wont have income in my account-FNB is very unreasonable and not thinking about their customers