Search
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.
*Source: 10Life Insurance Comparison Platform. Beyond Infinity Savings Insurance Plan has achieved 5-Star Savings Insurance Award (Education, Retirement and Legacy) in 10Life 5-Star Insurance Award 2026 (As of 2 January 2026). For details, please visit www.10Life.com
Outstanding Application of Diversified Investment Strategies
5-Star Savings Insurance Award (Education, Retirement and Legacy)
Important Information 
Other Product Brochures This plan is a flexible, multi-currency savings insurance product offering up to 10 policy currency options (such as USD, GBP, RMB, and more). The Policy Owner can switch their policy currency based on market trends to mitigate exchange rate risk. In addition, the Bonus Lock-in and Unlock Option allows you to lock in or unlock your bonus value according to market conditions. This empowers you to seize opportunities for wealth preservation and growth, ensuring stable wealth appreciation while minimizing the impact of market volatility.
Specially designed for long-term asset allocation, the "Beyond Infinity Savings Insurance Plan" provides a range of legacy planning tools. As a wealth inheritance savings insurance plan that supports Policy-split Advance Instruction, it enables the Policy Owner to plan and allocate policy shares in advance. Combined with the "Unlimited Changes of the Insured and/or the Policy Owner" feature, the policy value can seamlessly pass down through generations, supporting your legacy planning objectives to preserving wealth for a flourishing family legacy.
Beyond basic currency exchange flexibility and wealth accumulation, this plan provides significantly deeper value for retirement planning. The Policy Owner can convert their accumulated Cash Value into a "Lifetime Annuity" featuring a [Unique-in-market]1 selection of 12 annuity options (such as Critical Illness double annuity or joint annuitant). This integration of a flexible multi-currency savings plan and professional annuity protection allows that your savings do more than just grow—they safely transform into a reliable stream of retirement income.
1. The above 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.
Yes. This plan provides a "Flexi Withdrawal Option"2, allowing you to withdraw a specified cash value from your policy to meet unexpected financial needs. If you choose a 5-year or 10-year premium payment term, you can also apply for a "Premium Holiday" to temporarily suspend premium payments during sudden financial difficulties. As a comprehensive wealth inheritance savings insurance plan, it keeps your assets growing while perfectly accommodating your need for liquidity.
2. Starting from the 1st policy anniversary, you can apply to set up an instruction to make a withdrawal and/or regular withdrawals from the Policy and to designate a payment recipient to receive such withdrawal payments. You can change the instruction or the payment recipient for unlimited times, but only one instruction can be set up under the Policy at a time.
The eligibility requirements for the "Beyond Infinity Savings Insurance Plan" are highly flexible, covering an Insured with an issue age up to 80 years old (depending on the selected Premium Payment Term). To align with your personal financial goals, you can choose from Premium Payment Terms of 2 years, 5 years, or 10 years, helping you build a long-term, stable financial safety net for your family through professional asset management.
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.
Download Brochure
Digital Calculator (Only Traditional Chinese version is available)
“Dividends Zoom-in” educational video
