• Group Mortgage Reducing Term Assurance (MRTA)

To enjoy the full benefits of this product, the certificate term and initial sum assured should be consistent with the financed amount and duration of the approved housing loan.

MRTA (Mortgage Reducing Term Assurance)

Sum assured payable will be based on the reducing sum assured schedule provided excluding any defaulted payments.

Single Premium Payment



Payment can either be fully or partially financed under the mortgage if taken from CIMB Bank Berhad.

Coverage provided upon death or Total & Permanent Disability (TPD) of the life assured

Reducing sum assured will be payable in one lump sum as per the reducing sum assured scheduled

Eligible for Total & Permanent Disability (TPD) claim



The TPD coverage will expire on the monthly anniversary immediately after life assured’s 65thbirthday  or until the expiry of certificate term, whichever is earlier.

Additional Features

  • Cash Value

In the event of early settlement of the loan, the life assured has the following options:

i. Surrender the certificate for its cash value as determined by Sun Life Malaysia Assurance Berhad. The cash value is equal to the cash surrender value at the time of settlement; or
ii. Alternatively, you may continue the coverage and have all rights reverted to you.

CIMB mortgage customers who meet the below requirements:


Entry Age Basis: Age last birthday

Entry Age Limit for Life Assured:

i) Minimum age at entry - 18 years old

ii) Maximum age at entry - 65 years old

iii) Maximum expiry age - 70 years old

Certificate Term

Minimum term: 3 years

Maximum term: 40 years (not inclusive of deferment period or expiry at age 70 years old, whichever is lower)

Deferment Period: up to 5 years

Initial Sum Assured

Minimum: RM10,000

Maximum: No limit but subject to underwriting should the sum assured exceeds RM450,000

This plan is managed by Sun Life Malaysia Berhad (197499-U), a insurance company registered with Bank Negara Malaysia under the Financial Services Act 2013.

The description of the features and benefits of the insurance product herein is not a contract of insurance and is only a brief summary of the insurance product for quick and easy reference. The complete terms and conditions of the insurance product are contained in the Policy Document of Sun Life Malaysia Assurance Berhad (197499-U), the Insurer. 

CIMB Bank Berhad ("Bank") accepts no responsibility, obligation or liability for this insurance product and the services provided by the Insurer. 

The Bank merely acts as a distributor for this insurance product. 

This insurance product is Sun Life Malaysia's product and not a product of the Bank. Therefore this insurance product is not guaranteed by the Bank, its subsidiaries and/or its affiliates and the Insurer shall undertake the full insurance responsibilities, obligations and liabilities in respect of this insurance product.