The document discusses two types of risk management accounts - MRTA and Complete Protection Account. MRTA provides death and disability coverage, allows customers to finance payments or pay lump sum, and considers total costs. The Complete Protection Account offers total asset planning, allows different payment modes, covers death, disability and critical illness, provides level coverage, pays sum insured to family, and can recycle funds for future properties or loan repayment.

1. Managing Risk
风险管理

3. What are the different?
MRTA
Total cost incurred
Perceive cheaper
Customer can choose
either finance in or lump
sum payment
Cover Death and
Disability
Complete Protection Account
Total Asset planning
Customer can choose diff
mode of payment
Cover Death, Disability or
Critical illnesses
Level coverage
Sum insured paid to family
members
Recycle usage for future
properties even refinance
Offset outstanding loan