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For First Home Owner

Welcome to the Big League of Adulting

Buying your first home is a major milestone — exciting, empowering, and maybe a little overwhelming. You’ve worked hard, signed the loan, and now you hold the keys.

But what if something happens to you tomorrow?

Let’s protect the home you’ve built, and the future you’re stepping into.

What’s This Role Really About?

Being a first home owner means you’ve moved from renting to owning — from flexibility to responsibility.

You’re now dealing with:

  • Legal commitments (mortgage terms, loan agreements)
  • Financial obligations (monthly instalments, taxes, upkeep)
  • Personal dreams (finally, a place to call your own)

It’s not just a house. It’s your investment, your security, and your future. Now it’s time to protect it right.

Why Insurance Matters

A home is your biggest liability if you’re unprepared.

Ask yourself:

  • What happens if you get diagnosed with cancer?
  • Or lose the ability to work for a year or two?
  • Or, worst-case… you’re no longer here?

Without proper insurance, your family might face:

  • Loan defaults
  • Forced home sales
  • Unpaid debts
  • Emotional stress on top of financial chaos
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That’s where mortgage insurance + income protection come in — not just to settle loans, but to buy peace of mind and time to recover.

MRTA vs MLTA

They sound similar. But make a world of difference.

 MRTAMLTA
CoverageReduces with loanStays level
OwnershipBank-ownedPolicyholder-owned
BeneficiaryBankYou/Family
Add-onsNot flexibleCan add critical illness & disability
ReusabilityOne-time useCan reuse for future homes
Cash ValueNonePotential surrender value after age 64

👉 MRTA ends when your term ends.

If you shorten your term to save cost, your coverage also drops — and might not be enough when you need it most.

👉 MLTA gives you control — and more flexibility, even if you refinance or buy another home later.

The Game-Changer: Critical Illness Protection

With MLTA + Critical Illness Fund, you’re not waiting for death to pay off your mortgage.

If diagnosed with cancer, stroke, or heart disease:
✅ You can withdraw a lump sum (e.g. 4 years of your salary)
✅ Pay for recovery
✅ Cover your mortgage instalments
✅ Protect your savings
✅ Keep your home — stress-free

It’s not just insurance. It’s income when you can’t earn it.

Real Talk from a Homeowner

I didn’t go for MRTA again after my advisor reviewed it with me. My first one was a 10-year plan and I thought it covered my loan, but the coverage drops way faster than I was paying it off. That scared me.

Now I only keep MLTA. It gives me full coverage, I can reuse it for future properties, and even better… after age 64, I have the option to surrender and get back all my premiums with interest. It’s real value and peace of mind for me and my family.
Jason, 35Property Buyer

What Should First Home Owners Do?

✅ Learn about MLTA and MRTA, and make informed decision!
✅ Align the sum assured with your outstanding loan and TENURE!
✅ Add Critical Illness Rider — at least 4 years of income
✅ Focus not on the cheapest plan — but the smartest one
✅ Secure your future — so your family can keep the roof over their heads, even if life throws curveballs

Let’s Talk — No Pressure, Just Real Talk

Your home isn’t just bricks and walls. It’s dreams, sacrifices, and a symbol of everything you’ve worked for.

Let’s make sure that — no matter what happens — it stays yours.

Get in Touch

Address

  • 9, Jalan Daun Inai 21, Sunway Spk Damansara, 52200 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur
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9, Jalan Daun Inai 21, Sunway Spk Damansara, 52200 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur

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