seeking advice on coverage

Loan: 400k together with wife
Age: 27 wife same age
Tenure: 35-40 years
Plan to rent out the property for now and possibly either sell or refinance in 3-5 years time. Also planning on acquiring another property within the same time frame.

approached by a mortgage broker to proposed insurance instead of MRTA, basically it was a monthly installment of RM400 p/month (200 me, 200 wife) by ING. Broker told me that by servicing the insurance we can use the amount to repay the loan in full by the 26-28th year, it is also transferable.

My question is this, instead of paying RM400 a month for 26-28 years. What if I put the extra 400 into servicing the loan thus reducing the tenure and buy MRTA instead.

Would also appreciate some quotes on MRTA or MLTA.