Sunday, October 28, 2007

MLTA vs MRTA

MLTA vs MRTA

Basically there are two types of mortgage life insurance available in the market.

1.Mortgage Reducing or Decreasing Term Assurance (MRTA or MDTA)

2.Mortgage Level Term Assurance (MLTA).



1.Mortgage Reducing Term Assurance (MRTA) or Mortgage Decreasing Term Assurance (MDTA)

Main = Protecton (reducing)
Premium = LumpSum

-------------------------------------------------------------------------------------
2.Mortgage Level Term Assurance (MLTA)

Main = Protecton + Saving + Cash Value
Premium = monthly, quarterly,yearly


Comparison and Features of MDTA and MLTA

Life-MLTA
1. Transferable
This policy is transferable whenever the borrower buys a new property.

2. Insurability is Guaranteed
No need to prove your health condition again.

3. With Savings or Returns (Cash Value - Is your Asset)
There is cash value can be used to reduce or pays off your mortgage.



MRTA
1. Not Transferable
In most cases, new MDTA policy has to be taken up whenever a borrower changes his properties or refinances his loan with another bank

2. Insurability is not Guaranteed
Have to prove that you are healthy to purchase MDTA.

3. No Cash Value(expenses of you)
NO cash value at end of the mortgage tenure.



Example =
Joe, 24 male and bought a property for 230k but he only take 100k loan.

MRTA scenario
So if he purchase RM100k for 30 years MRTA the premium will be RM2165 and the surrender value from time to time is less and less. So, if anything happen to Joe at 5th year, the benefit he get from insurance com will be RM95299 while 10th year will be RM87319. So at the end, the value will be zero at 30th year.

MLTA scenario
If he purchase same RM100k and 30 years MLTA, he needs to pay RM61 every month and gets the level protection. He can choose to pay monthly, quarterly, semi-annually or annually. If Ken is TPD and can't make a source to pay for monthly installment, the benefits he get is RM100k no matter at which year. If Accidental death it would be X 2, the benefits will be RM200k. This is consider savings and you get the level benefits no matter 1st year or 18th or 30th year. Because the surrender value is high and higher. If Joe have nothing happen at 30th year, he can get back the value he prepaid. This is the benefit you get from MLTA. And, Ken is only 24, if he buy a better property, he can bring this MLTA over to that property and extend it.

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