i think best to take MLTA, pay extra for protection against 36 critical illnesses at least safer, because nowadays a lot of diseases and better to be safe than sorry. for me i dont want to burden my family with expenses when i go (touch wood) so safest bet take MLTA if can afford. at the end of tenure at least got cash value back even though the money u get back is suppose to worth more due to inflation but better than nothing. also can lower down your loan tenure with the amount in there at least, so I think the pros kinda outweigh the cons for MLTA. what do u guys think?