Provide peace of mind for your loved ones.

Provide peace of mind for your loved ones.

Free your loved ones from financial liabilities

An insurance plan that helps to take care of your mortgage in the case of any unfortunate event.


Mortgage Reducing Term Assurance (MRTA)


Coverage Type

  • Sum insured reduces as the principle loan amount reduces

Mortgage Level Term Assurance (MLTA)


Coverage Type

  • Sum insured remains constant for the entire policy term
  • Pays off the outstanding loan owed to the bank in accordance with the Sum Insured Schedule in the unfortunate event of Total Permanent Disability (TPD) or loss of life of the borrower.
  • The beneficiary will not be left with the burden of settling the remaining loan balance.
Portable Protection In the event you fully redeem your property before the contractual period, you have the option to continue your current coverage.
Hassle Free Simple and easy enrolment process.

Underwritten by AIA Bhd (790895-D).

Single Premium MRTA Single Premium MLTA Regular Premium MRTA Regular Premium MLTA
Entry age 18 to 65 years old (last birthday)
Minimum Sum Insured (RM) RM 15,000 RM 15,000 RM 10,000
Minimum tenure* 5 years
Maximum tenure* 40 years (excluding construction period of up to 3 years)
Premium Payment Method Cash, Cheque or Credit Card Credit Card
Premium Payment Mode One Time payment Monthly or Annually
Cash Surrender Value Yes No
  • i-Wealth Goal Planner Plan your life goals.
  • Citibank Online


  • Death caused by:
  • Suicide within the 1st year from the effective date of coverage
  • HIV & AIDS
  • Total Permanent Disability due to

    • Self destruction;
    • Service in armed forces;
    • Riot and civil commotion, strikes or terrorist activities;
    • Violation or attempted violation;
    • Entering, operating or servicing, riding in or on, ascending or descending from or with any aerial device or conveyance;
    • Racing on horse or wheels;
    • Pre-existing condition with medical attention within 90 days before effective date of coverage;
    • HIV & AIDS.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.


  1. These insurance products are obligations only of the insurance company.
  2. They are not bank deposits or obligations of or guaranteed by Citibank Berhad, Citibank NA, Citigroup Inc. or any of its affiliates or subsidiaries.
  3. This document does not constitute the making of any offer or invitation to subscribe for insurance products nor does it amount to solicitation by Citibank Berhad, Citibank NA, Citigroup Inc. or any of its affiliates or subsidiaries for application of insurance products by anyone in any jurisdiction in which the making of such offer or invitation to subscribe or the solicitation thereof is not authorized or to any person to whom it is unlawful to make such an offer, invitation or solicitation.
  4. This document also does not constitute the distribution of any information by anyone in any jurisdiction in which such distribution is not authorized or to any person to whom it is unlawful to distribute such a document.
  5. Please refer to the Product Disclosure Sheet for further details. All benefits listed above are subject to terms and conditions. You are advised to read and understand the policy terms and conditions before you decide to purchase the policy.