I am planning to take a housing loan.
Still considering whether or not to incorporate MRTA into my housing loan.
I currently have an existing life insurance policy with 150k sum insured for death & permanent disability.

Lets say my loan amount is 500k.
Which is better move:

A) Take MRTA and cover 500k.

OR

B) Increase my existing life policy from current 150k to 500k.


I am not sure which premium is cheaper. If you are me, which option above you will go for?