YF Life Launches Indexed Universal Life Insurance Product

Joining the Vanguard of Wealth Management Innovation in Hong Kong

July 28, 2025

YF Life Insurance International Limited (YF Life) is pleased to unveil its new Indexed Universal Life (IUL) insurance product, making it one of the pioneering insurers in Hong Kong to offer this advanced insurance solution. This move not only highlights YF Life’s strong position in Hong Kong’s insurance market, but also reaffirms its unwavering commitment to empowering clients to capitalize on every opportunity and create impactful wealth management solutions.

YF Life’s professional team, with its global perspective and extensive experience, has been actively engaged in the research and development of IUL products. Following the clarification of the regulatory framework by the Insurance Authority (IA) and the Hong Kong Monetary Authority earlier this year, which provided more room for diverse insurance product development in the market, YF Life accelerated its product development efforts, further optimized its product solutions to bring this IUL product to market, combining both protection and potential for growth.

In recent years, with changes in the global economic environment and the diversification of investment market, the pace of innovation in Hong Kong’s insurance products has also accelerated. According to the IA’s provisional statistics for 2024, Hong Kong’s long-term insurance business saw a remarkable 21% year-on-year increase in new office premium (excluding Retirement Scheme Business). Furthermore, the ever-growing population of high-net-worth individuals in Hong Kong has led to a rising demand for sophisticated wealth management solutions. YF Life’s IUL product is strategically positioned to meet this market gap.

This product not only retains the flexibility of universal life insurance, but also offers potential growth linked to the performance of specific market indices, on top of its life protection element. It enables clients to pursue potential wealth accumulation while maintaining a solid foundation of life insurance protection for their families. This product aligns with the Hong Kong SAR Government’s policy direction to foster fintech advancement and the development of diverse financial products. It also responds to the increasing wealth management needs of professional investor clients, offering them a more competitive option for asset allocation.

YF Life firmly believes that IUL will offer professional investor clients more diversified asset allocation options. We remain committed to innovation and actively expanding our presence in the Hong Kong market. Looking ahead, YF Life will continue to listen to the needs of various clients and provide more diversified and competitive insurance products and services, injecting more vitality into Hong Kong's financial market. Upholding our refreshed brand philosophy “Envision | Invesurance”, we join hands with our clients to co-create a more prosperous and secure future.

Remarks:

• The information contained in this press release is intended as a general summary of information for reference only. For more details, please refer to relevant product brochures, promotion leaflets, and policy documents. For the details of the relevant product, the terms and conditions of the policy shall prevail.  
• This press release is intended for distribution in Hong Kong only and should not be construed as an offer or solicitation to sell or promote any YF Life products outside Hong Kong. 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.