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You are speaking of two completely different legal arrangements. You need both.

A POA grants another person the authority to act on your behalf. It gives an agent control over your assets and the authority to sign your name to legal documents. They can access your bank accounts and write checks to pay your bills. A POA is extinguished upon your death.

A will is a document that you can execute while living that directs the disposition of your property upon your death. If you don't make a will, your property will be distributed to your heirs-at-law under your state laws of intestacy. You can check the laws in your state at the related question link provided below.

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Q: Do you need to make a will if you are in the army and being deployed or will a power of attorney work?
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How do you file taxes for a deployed solder?

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