MRTA

We have been searching high & low for the best option in getting a MRTA / mortgage life insurance (since I know that Gerald has not gotten 1 for the house). Beside the conventional insurance that comes with the housing loan package, are there any other type of insurance that will give us a better deal ? (hopefully one that will give us back the money we invested when we dun utilise the fund, *choi* coz this is just incase, by playing safe). If you know a better way, do let me know.