call your loan officer for clarification.

I had that same shit with Hong Leong. Basically they gave me 3 options:

1. Pay higher MRTA rate to get full protection amount
2. Maintain same MRTA rate but the protection amount is reduced
3. Get 3rd party MRTA from other insurance. But HLB will increase my loan interest since my MRTA is not with them

depends on the bank and depends on the package they offered. But since OPR just drop again, maybe u can shop around again. Provided your developer side or seller side still allow time for you