if not mistaken... MRTA is burned for sure... i doubt you got any cash can get back.... anyhow MRTA is actually attached to your house rather than your owner name.... so there nothing much to do with it... and let it burn.... thats why for those who are going to chg houses quite fast... MLTA is the way to go... u get back your cash... and the insurance is on your name... not with the housing loan...