Anyone knows what OLTA and how does it work? This is from specific bank only.

Others are coupling with MRTA / MLTA which seems more expensive.

500k 30 years with
OLTA: 22k for 300k coverage for 25 years
MRTA: 25k for 400k for 30 years

The rates are ranging from 3.85-4 so tempted to pick the lowest but it comes with the OLTA. Can’t find much info about it.