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Preserving Wealth for the Dreams of Tomorrow's Generations
Behind every savings insurance plan lies a dream and a hope, encompassing personal aspirations, visions for retirement, the future of children, and even wealth inheritance.
Beyond Infinity Savings Insurance Plan (the "Plan") offers comprehensive and flexible wealth management solutions with up to 10 policy currency options, Bonus Lock-in and Unlock Options, Flexi Withdrawal Option, as well as the flexibility to convert Cash Values into “Lifetime Annuity” options. Centered on legacy planning, the Plan also covers Contingent Policy Owner and/or Contingent Insured, policy split, Policy-split Advance Instruction, Change of the Insured and/or the Policy Owner, and 11 Death Benefit settlement options. The Plan helps you achieve dreams steadily while safeguarding family values and enduring wealth for generations.
Stable Wealth Growth with Higher Potential Returns
Financial Flexibility
Protection for Inability to Self-care
Lifetime Annuity for Worry-free Retirement
Legacy Planning
- The Plan provides you with the Company’s investment management. The multi-asset portfolio is diversified by geographical region and industry across economic cycles
- Enjoy both the Guaranteed Cash Value and non-guaranteed “Reversionary Bonus” and “Terminal Bonus”
- Up to 10 policy currencies for your choice and conversion, including US Dollar (US$), HK Dollar (HK$), Macau Pataca (MOP)1, Renminbi (RMB), British Pound (GBP), Singapore Dollar (SGD), Australian Dollar (AUD), Canadian Dollar (CAD), Swiss Franc (CHF) and Euro (EUR)
- You may seize the opportunities for value preservation and growth with Bonus Lock-in and Unlock Options
- The Plan offers you the Premium Holiday2, Flexi Withdrawal Option and Waiver of Premium Benefit to allow you to tackle sudden financial needs or unfortunate events
Notes:
1. Macau Pataca is for policies issued in Macau only.
2. Premium Holiday is applicable to policies with 5-year and 10-year Premium Payment Term.
- Advance instruction for mental incapacitation, ensuring your family to own and manage your assets in case of emergency, to prevent them from falling into financial difficulties
- [Unique-in-market]3 Choose from up to 12 lifetime annuity options4 to help achieve financial independence after retirement
- You may select one that suits your needs the best, such as sharing the annuity with your spouse or receiving double annuity income in case of designated critical illness or Severe Dementia
Notes:
3. The description of “Unique-in-market” is based on our understanding and interpretation of the current market information, by comparing Lifetime Annuity Option with other publicly available multi-currency savings insurance plans issued by major Hong Kong and Macau life insurance companies for individual customers as of October 1, 2025.
4. For details of the 12 annuity options, please refer to the product brochure.
- Prior arrangement for up to 3 Contingent Policy Owners and 3 Contingent Insureds to ensure your policy endurance
- Split the Policy and [First-in-market]5 Policy-split Advance Instruction to match with your wealth allocation arrangement
- Changing the Insured and/or the Policy Owner to align with your most current legacy planning for unlimited times
- Choosing from 11 Death Benefit settlement options to select the most suitable payout arrangement for your loved ones
Notes:
5. The description of “First-in-market” is based on our understanding and interpretation of the current market information, by comparing Policy-split Advance Instruction Option with other publicly available multi-currency savings insurance plans issued by major Hong Kong and Macau life insurance companies for individual customers as of October 1, 2025.
Issue Age (At Last Birthday)
2 years Premium Payment Term:
Age 0-80
5 years Premium Payment Term:
Age 0-75
10 years Premium Payment Term:
Age 0-70
Age 0-80
5 years Premium Payment Term:
Age 0-75
10 years Premium Payment Term:
Age 0-70
Benefit Term
Whole of life
Premium Payment Term
2 / 5 / 10 years
The above information contains general information of the Plan and is for reference only. It does not form part of the policy and does not contain the full terms of the policy. You should not purchase any insurance product based solely on the above information. To understand the details, full terms and conditions of this Plan, please refer to the product brochure and terms and benefits of the policy / policy documents for exact benefit coverage, terms and conditions, risk disclosures, product risks and exclusions. The above information does not represent a contract between YF Life and anyone else.
The above information is intended to be distributed in Hong Kong / Macau only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance product of YF Life outside Hong Kong / Macau. If you are not currently in Hong Kong / Macau, YF Life will not be able to provide you with related products and offers.
You and other interested parties should seek independent financial, tax and legal advice. Although care is taken in preparing the above information, YF Life disclaims any express or implied warranty as to the accuracy of the content and any liability with respect to it. In the event of any conflict or inconsistency between the contents of the above information and the relevant policy contracts, the relevant policy contract shall prevail.
The above information is intended to be distributed in Hong Kong / Macau only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance product of YF Life outside Hong Kong / Macau. If you are not currently in Hong Kong / Macau, YF Life will not be able to provide you with related products and offers.
You and other interested parties should seek independent financial, tax and legal advice. Although care is taken in preparing the above information, YF Life disclaims any express or implied warranty as to the accuracy of the content and any liability with respect to it. In the event of any conflict or inconsistency between the contents of the above information and the relevant policy contracts, the relevant policy contract shall prevail.
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