YF Life Launches “WealthPulse Universal Life Insurance Saver”

Jul 3, 2026

YF Life Insurance International Ltd. (YF Life) announced the launch of its new “WealthPulse Universal Life Insurance Saver”, designed to comprehensively fulfill the diverse financial needs of customers. Featuring a dual-approach strategy of base crediting interest rate and a “triple rewards” structure, the plan assists customers in achieving steady, long-term wealth appreciation amidst a volatile market environment. Integrating protection, savings, and wealth management into one solution, the plan enables customers to effortlessly map out their life blueprints.

The new “WealthPulse Universal Life Insurance Saver” combines wealth growth, financial flexibility, intergenerational legacy, and multi-faceted protection, offering the following key features:

• Driving steady wealth growth through a multi-pronged strategy: The plan offers a base crediting interest rate^₁ at which interests will be credited to the Account Value at a compound rate for capturing market growth potential. In the event of an application of the Full Annuity, a full surrender of the Policy or when the Death Benefit is payable, the Guaranteed Minimum Account Value² will apply. It accumulates with a Guaranteed Minimum Account Value Crediting Interest Rate at 3% p.a. during the first 20 policy years and 2% p.a. thereafter, securing steady wealth growth even if market performance is not as expected. Together with Welcome Bonus³, Special Bonus⁴ and Loyalty Bonus⁵, it helps buffer against market volatility and lock in stable returns in a fast-changing market, accelerating wealth accumulation.
• Flexible conversion for a seamless retirement: The plan provides an array of flexible financial options, allowing customers to adapt to their evolving financial needs at different life stages by freely choosing their premium payment term, flexible adjustment of premium⁶, and making flexible withdrawals⁷. Furthermore, blending the financial flexibility of universal life insurance with the lifetime income stream of an annuity, the plan provides lifetime annuity options, a feature rarely available in the market. With up to 12 lifetime annuity⁸ choices, it empowers customers to convert their accumulated assets into a steady stream of annuity income when planning for retirement, creating a worry-free post-retirement life.
• Passing on wealth to future generations: The plan provides forward-looking, holistic legacy planning solutions. These include “changing the Insured⁹ and/ or the policy owner” to flexibly align with legacy plans; and “prior nomination of the new policy owner⁹ and/ or the new insured⁹” to ensure wealth is passed down through generations. Moreover, “Policy-split9 and Policy-split Advance Instruction⁹” facilitate flexible allocation of assets, while “11 different Death Benefit settlement options” empowers customers to choose the most suitable inheritance arrangement for their loved ones.

Ms. Jasmine Hui, Chief Proposition Officer and Senior Vice President at YF Life said: In today’s rapidly changing economic landscape, customers are looking much further ahead when it comes to wealth growth and legacy planning. Beyond simply chasing short-term returns, they prioritize resilience against market volatility and the feasibility of intergenerational continuity. As an expert in universal life insurance solutions, YF Life continuously innovates, striving to provide customers with more flexible and robust solutions. Our team developed “WealthPulse Universal Life Insurance Saver” with this core focus in mind, addressing market demand for stable returns and flexible protection. We empower customers to move from passive to proactive, enabling them to build wealth growth while planning for the future with peace of mind. This embodies YF Life's core brand philosophy of 'Envision. Invesurance', guiding our customers toward a more prosperous future."

During the promotion period, successful applicants of “WealthPulse Universal Life Insurance Saver” can enjoy an 8%¹⁰ guaranteed crediting interest rate for the 1st policy year and a promotional Welcome Bonus rate of up to 30%¹¹ for the 1st premium layer. Furthermore, during the promotion period, successful applicants who prepay premiums for a designated period can further enjoy up to 5% preferential interest rate, equivalent to approximately 45% of the 1st year annual premium¹².

For more details on the “WealthPulse Universal Life Insurance Saver” and the promotional offers, please visit https://www.yflife.com/en/product/savings/wealthpulse-universal-life-insurance-saver/.

Notes:

1. The base crediting interest rate is declared by us and is subject to change from time to time at our discretion but will be no less than 0% p.a.
2. Guaranteed Minimum Account Value may increase the Cash Value available to be applied to provide Full Annuity, Surrender Value and Death Benefit, but does not increase the amount available for withdrawals.
3. For details of Welcome Bonus, please refer to the product brochure and policy documents.
4. For details of Special Bonus, please refer to the product brochure and policy documents.
5. For details of Loyalty Bonus, please refer to the product brochure and policy documents.
6. The Target Yearly Premium of the Basic Plan may be increased on or before the Insured reaches age 80 provided the Premium Payment Term still has at least 2 years to run. The amount of any increase of the Target Yearly Premium of the Basic Plan must be acceptable to us according to our then prevailing administrative rules. Any increase of Target Yearly Premium of Basic Plan will be subject to the deduction of the corresponding Monthly Deduction on the Premium Layer of Target Yearly Premium of Basic Plan from the Account Value.
7. Withdrawals, exercising Regular Withdrawal Option and Flexi Withdrawal Option, applying for premium holiday/skipping premium payments or converting Cash Value into annuity will reduce the value of the Policy as well as the sustainability and potential growth of the value of the Policy which will have the effect of reducing the subsequent Account Value and Cash Value. Therefore, it will reduce the Death Benefit, the Surrender Benefit and the value of the Policy, while the Monthly Deduction is still deductible. If the Cash Value is insufficient to cover the Monthly Deduction and the Policy is not being continued under the No Lapse Guarantee, the Policy will lapse with zero value. Monthly Deduction refers to the sum of Policy Management Fee, Administrative Charge and Cost of Supplementary Benefits (if any) and is deducted from the Account Value of the Policy on the Policy Date and each Monthly Anniversary Date.
8. An annuity date must be any Monthly Anniversary Date which is at least 10 years after the Policy Date and must not be earlier than the policy anniversary date on which the Insured has reached the age of 50. Annuity option is only allowed to be exercised for in-force policies, and no Death Benefit has become payable.
9. Subject to the relevant policy terms and conditions and our prevailing administrative rules. For details, please refer to the product brochure and policy documents.
10. Promotion period: Until September 30, 2026. Terms and conditions apply. Please refer to promotional leaflet for more details.
11. Promotion period: Until September 30, 2026. The Promotional Welcome Bonus Rate shall replace the original Welcome Bonus Rate as stated in the Product Brochure and shall not be applied in addition to the original Welcome Bonus Rate. The 1st Premium Layer refers to the Yearly Premium of Basic Plan as stated in the insurance application. Welcome Bonus will only be credited before the Full Annuity Date provided that the Policy is in force. The Welcome Bonus for the 1st Premium Layer will be credited to the Account Value of the relevant policy(ies) on the 1st Policy Anniversary. The Welcome Bonus amount is calculated by multiplying the promotional rate by the Yearly Premium of Basic Plan of the 1st Premium Layer at the time of crediting. Terms and conditions apply. Please refer to promotional leaflet for more details.
12. Promotion period: Until September 30, 2026. Customers who choose to prepay up to a maximum of 4 years of future premiums and the Target Yearly Premium of Basic Plan is US$50,000 or above can enjoy a 5% interest rate on the Premium Deposit Account during the Premium Deposit Period. For Basic Plans with a Target Yearly Premium under US$50,000, a 4.5% interest rate will apply. This example assumes the customer chooses the annual premium payment mode upon policy application and prepays the premiums (up to a maximum of 4 years). Premium levy is excluded, and interest for the 2nd to 5th policy years is calculated at a guaranteed preferential interest rate of 5%. Terms and conditions apply. Please refer to promotional leaflet for more details.

The information contained in this press release is intended as a general summary of information and is for reference only. It shall not be construed as an offer to sell any product. The above does not contain the full terms and conditions of the relevant insurance plan. For full terms and conditions, details and risk disclosures of the relevant insurance plan, please refer to the product brochure, benefit illustration and policy document for the exact benefit coverage, terms and conditions, and exclusions. In the event of any conflict or inconsistency between the contents of the above information and the relevant policy contract, the relevant policy contract shall prevail. This press release is intended to be distributed in Hong Kong 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. If you are not currently in Hong Kong, YF Life will not be able to provide you with related products and offers. YF Life declares that it has no intention to offer to sell, to solicit to buy or to provide any of its products in any jurisdiction other than Hong Kong in which such offer to sell or solicitation to buy or provision of any product of YF Life is illegal under the laws of that jurisdiction.