| Retirement| WPS|

WealthPulse Universal Life Insurance Saver

| Retirement| WPS|

Overview

Featured benefits

FAQ

More than Stability. Built for Growth.

In an era of volatile and increasingly complex financial markets, true wealth creation has evolved beyond passive saving. It is now about navigating opportunities with a clear strategy: transforming market uncertainty into growth momentum.

For ambitious investors aiming to generate substantial returns and accelerate their roadmap to success, traditional savings plans simply cannot keep pace with the aspirations of early retirement or true financial independence. Yet, constant short-term trading often demands excessive time and carries unpredictable risks. Between stability and growth, a more balanced approach is emerging—capturing opportunities while preserving what matters.

WealthPulse Universal Life Insurance Saver (the “Plan”) offers a base crediting interest rate to help you capture market growth opportunities while effectively letting you stay protected against downside risks. Along with triple rewards, the Plan offers stable potential for wealth growth. To meet your diverse needs, it provides high financial flexibility and allows you to convert Cash Value into an annuity for a worry-free retirement with multi-faceted protection and legacy planning built in, offering all-round support for your strategic financial planning.

Product Features

Balance Risk and Protection to Pursue Growth with Stability

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Offers base crediting interest rate¹ to secure upside potential; provide base crediting interest rate¹ guaranteed to be not less than 0% p.a. to shield you from market downside risk

Provides the Guaranteed Minimum Account Value upon the application of the Full Annuity, full surrender of the Policy or the payment of Death Benefit

Offers Welcome Bonus, Special Bonus and Loyalty Bonus² for growth potential

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. Welcome Bonus, Special Bonus and Loyalty Bonus apply when the Policy is in force and before the Full Annuity Date. For details of the Welcome Bonus, Special Bonus and Loyalty Bonus, please refer to the product brochure.

Flexible Financial Management

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Flexible premium payment terms to support your wealth growth goals

Flexible adjustment of premium to seize market opportunity

Features Regular Withdrawal Option and Flexi Withdrawal Option³, allowing you to have flexible financial management to meet your life's needs

Notes:
^3. The Policy Owner may apply to set up instructions for the Regular Withdrawal Option and the Flexi Withdrawal Option starting from the 1 ^st policy anniversary. For details of the options, please refer to the product brochure.

Flexible Support to Walk through Adversity

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Offers Premium Holiday, Accident Waiver of Premium Benefit and Mental Incapacity Advance Instruction Option, allowing you to respond to urgent financial needs or unfortunate events

Lifetime Annuity for Worry-free Retirement

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[Unique-in-market]⁴ Choose from up to 12 lifetime annuity options⁵ to help achieve financial independence after retirement

Notes:
^4. The above descriptions of "Unique-in-market" are based on our understanding and interpretation of the current market information, by comparing Lifetime Annuity Option with other publicly available universal life insurance plans issued by major Hong Kong life insurance companies for individual customers as of May 1, 2026.
^5. For details of the 12 annuity options, please refer to the product brochure.

Holistic Legacy Planning Solutions

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Prior nomination of up to 3 Contingent Policy Owners and 3 Contingent Insureds to accommodate your legacy planning

Split the Policy and [First-in-market]⁶ Policy-split Advance Instruction to match with your wealth allocation arrangement

Changing the Insured or the Policy Owner for unlimited times for sharing wealth across generations

Choose from 11 Death Benefit settlement options to select the most suitable payout arrangement for your loved ones

Offers No Lapse Guarantee for continuous protection

Offer Interim Policy Owner Service⁷ to support your wealth succession planning

Notes:
^6. The above descriptions of "First-in-market" are based on our understanding and interpretation of the current market information, by comparing Policy-split Advance Instruction Option with other publicly available universal life insurance plans issued by major Hong Kong life insurance companies for individual customers as of May 1, 2026.
^7. Interim Policy Owner Service is an administrative service arrangement (applicable to policies issued in Hong Kong only) and does not constitute a product feature. The relevant service is subject to YF Life's prevailing administrative rules.

NOTES

Awards

Hong Kong Economic Journal

Insurance Services Awards of Excellence 2025

Outstanding Application of Diversified Investment Strategies

CAPITAL magazine

CAPITAL Merits of Achievement in Banking and Finance 2012-2024

Best in Insurance

Download Brochure

Case Flyer

Interim Policy Owner Service Flyer

Supplementary Benefits

Issue Age (At Last Birthday)

Age 0-80

Benefit Term

Whole of life

Premium Payment Term

2-82 years
(issue age plus premium payment term ≤ age 82)

Other Information

Important Information Other Product Brochures

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, exact benefit coverage, terms and conditions, risk disclosures, product risks and exclusions of this Plan, please refer to the product brochure and terms and benefits of the policy/policy documents. 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 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.

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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