I just signed also with RHB under Tokio Marine. Mine is called GCLTA - Group Credit Level Term Assurrance. Reason I chose this compared to MRTA or Investment link insurance

1. This is level term coverage meaning the sum assured does not reduce over time. Example if the housing loan = 1mil and sum insured = 1mil at year 1. After paying the housing loan for 20 years my remaining loan let's say balance is 100k. Then year 21 something happen to me I die. The insurance will compensate 1mil. If you take MRTA insurance will only cover the remaining 100k no extra.

2. CLTA can be transferred to the next property if you sell of your current house. MRTA not transferable and you need to pay premium all over again for a new property.

3. This is not investment link so there is less risk. Investment link got risk to lose your cash amount and end up need to top up

4. There is a surrender value meaning you can get back some money if you surrender the policy