Hmm...to me, LifeInsurance is better option than MRTA in terms making sure that when something happen to me (death, tpd - touch wood~), the property that I bought is still can be left* to my love 1...without burdening them to pay off the balance money I owe the bank (the loan).

Lets said the property that I bought is 200k, and the bank loan amount is 150k, all I need to make sure is my life insurance is at least double the amount of the loan amount (the more the better). So when I "not in this world" anymore, my love 1 still got 1 lump sum of money, in which he/she can decide by herself whether want to use it to pay the bank loan or not...so he/she can own the property. At least he/she got a choice...(on how to use the money).

Anyway, just some few senzzz from me,

Cheers.