In an age of constant change, the ideal retirement solution would be one that provides you with a steady cash flow, plus the flexibility to make changes

MY Flexi Lifetime Annuity offers a guaranteed annuity, and on top of that it gives you a range of options. With such flexibility, you can manage your future with confidence in spite of uncertainty.

Multiple Currency Options
Stable Wealth Accumulation
Lifetime Annuity Income
Your Loved Ones can Inherit your Wealth
Financial Flexibility
12 Annuity Options
Worry-free Protections
  • Up to 8 policy currencies of your choice
  • Entitled to Currency Exchange Option
  • Interest credited at a compound rate to provide stable returns
  • Up to 2% p.a. guaranteed crediting interest rate
  • Effectively mitigate the financial risk of longevity
  • Pass on all or part of the Cash Value to your descendants
  • Lifetime annuity income for your next generations
  • Greater liquidity
  • Automatic Periodic Withdrawal Option
  • Flexible increase in premium
  • Free to split the policy
  1. Lifetime fixed-income annuity
  2. Lifetime fixed-income annuity - guaranteed refund of Cash Value
  3. Lifetime fixed-income annuity - guaranteed refund of 125% Cash Value
  4. Lifetime increasing-income annuity
  5. Lifetime increasing-income annuity - guaranteed refund of Cash Value
  6. Lifetime fixed-income annuity with 10 years guaranteed payment
  7. Lifetime fixed-income annuity with 15 years guaranteed payment
  8. Lifetime fixed-income annuity with 20 years guaranteed payment
  9. Lifetime fixed-income annuity - joint annuitant
  10. Lifetime fixed-income annuity - joint annuitant and guaranteed refund of Cash Value
  11. Lifetime fixed-income annuity - Critical illness double annuity and guaranteed refund of Cash Value
  12. Lifetime fixed-income annuity – Severe Dementia benefit and guaranteed refund of Cash Value
  • Mental Incapacity Advance Instruction Option
  • Death Benefit – Guaranteeing Refund of Capital
  • Accident Waiver of Premium Benefit
Issue Age (At Last Birthday)
Issue Age (At Last Birthday)
Age 18 - 75
Benefit Term
Benefit Term
Whole of Life
Premium Payment Term
Premium Payment Term

Regular Premium:
5 to 62 years (issue age plus premium payment term ≤ Age 80)

or Single Premium

Support Document

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Frequently Asked Questions

The main types of annuity plan include:

1. Time of receiving the annuity income:

  • Immediate annuity: Immediate annuities are more suitable for retirees to invest in. The monthly annuity income will be paid shortly after the premium is paid in a lump sum.
  • Deferred annuity: Premiums may be paid either in a single lump sum or by regular payments, and the annuity income will be paid out when the Insured reaches the specified age. Deferred annuity plan is a choice for those who are still at work because the funds continue to grow over time, and upon retirement, the accumulated Cash Value can be converted into stable annuity income.

2. The annuity income period:

  • Lifetime Annuity: The plan guarantees lifelong annuity payments even if the Insured lives until 100 years old or even longer.
  • Fixed-period Annuity: The annuity income will only be paid over a specified period.

“MY Flexi Lifetime Annuity” is one of the rare "true annuities" available in the market, guaranteeing lifelong annuity payouts, even if you live to be 100 years old or beyond. In addition, the plan offers up to 8 policy currency options, a currency exchange option, policy splitting, and the "Mental Incapacity Advance Instruction Option" a benefit rarely in the market. It also provides 12 annuity options, including a Lifetime increasing-income annuity, joint annuitant, and double annuity for critical illnesses, making it a market unique annuity plan. The plan is highly flexible and can adapt to the diverse needs of customers.

The plan offers various premium-payment-term options, from 5 years up to 62 years. A single-premium payment option is also available. Please note that the sum of the issue age and the premium payment term must not exceed age 80.

From the third policy anniversary onwards, policyholders may exercise the Currency Exchange Option to change the original policy currency to a new policy currency to seize global currency opportunities. Please note that the Currency Exchange Option may only be exercised once per policy year.

"MY Flexi Lifetime Annuity" offers the most comprehensive annuity options in the market to suit your personal or family needs, with a total of 12 different annuity options. These include lifetime fixed-income annuity options, lifetime increasing-income annuity options, joint annuitant options, and a double annuity for illness option. The annuity option may only be exercised for in-force policies with the policy currency in US Dollar (US$), HK Dollar (HK$), Macau Pataca (MOP), or Renminbi (RMB).

If you are interested in a plan that is eligible for a tax deduction, you may consider “MY Deferred Annuity 2".

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