Agreed. Coz the amount is way too different. Just pay an amount one shoot. But MLTA need to pay from time to time.
If own stay, i believe MRTA really enough as mostly ppl have own lilfe/medical insurance also.

Insurance agent sure hate me 
I just voice out my view...no hard feelings 

OK well.
Let's assume you have own personal life insurance for 36 illness, medical card and etc (Personal)
Now, the house value is 400k, loan tenure 30 yrs.

MRTA - 30 yrs, One shot payment around 6k (depends on bank and also age of buyer). If you really have no more cash in hand, you may loan in together as well.  If ONE DAY touchwood, you say "ByeBye" to this world, the insurance company pay the remaining housing loan on behalf of you and your partner/family need not pay for the remaining. MRTA is not transferable, u pay the 6k only for the house you purchased.
MLTA - 30 yrs, let's assume monthly (u may pay quarterly/half yearly/yearly) pay minimum RM200 commitment RM200 x 12 months x 30 yrs = RM72000 (not include other premiums etc).
There are some plan indicated that you can claim back what you've paid, but bear in mind that cash value of money will depreciate. Of course, the monthly commitment will higher as well. If ONE DAY touchwood, you say "ByeBye" to this world, the insurance company pay the 400k to the beneficiary , your partner/family may use it to pay for the remaining housing loan or for other usage. MLTA is transferable, you may add value when you buy 2nd/3rd/so forth houses.

I cant say whichever is better, you may just choose whichever suits you well.