Hello Sifu... Need some advise...

Bought at house at 2.2M... The bank offered an MRTA with 175% loading and TPD declined (due to overweight BMI 37, no health issue, age 35)... Need to pay 150K to start the insurance..

I end up needed to look for an alternative MLTA... reach out to GE insurance agent... asked for MLTA but they do not have it and make an offer for 2M life insurance SmartProtec Sure (till age 70, can't convert after)

premium: 1350/month (no loading yay!)
pay for 30 years
get around 300K at the end (not guaranteed... based on investment performance)

Is this the right path to take... or I should go for MLTA.. my intention is for mortgage protection mainly HOWEVER wouldn't mind a good return at age 70 or the ability to convert to normal life insurance later... FYI I have a separate 200K life insurance only on top of this...

i was reading the thread and there is GROUP VS INDIVIDUAL benefit for MLTA vs life insurance... can someone explain more?