- Provide Guaranteed Cash Value and the cash value of non-guaranteed bonuses to support your long-term savings goal
- Seize the opportunities for value preservation and growth by locking or unlocking the bonuses
Empowering Future Generations with Foresight and Choice
As parents, our greatest aspiration is to empower our children to lead lives filled with freedom of choice. Today's new generation values experiences and a stress-free, autonomous lifestyle, prioritizing personal interests in their career development and pursuing their dreams. Therefore, "legacy" is not merely about transferring wealth; it is about providing greater choices and ensuring a confident future. Whether they choose to pursue education, start a business, or experience short stays in different places, they can make decisions with ease.
Vantage Infinity Savings Insurance Plan ("the Plan") emphasizes long-term wealth management, offering potential for long-term returns, along with features for bonus locking and unlocking, allowing you to seize opportunities for value preservation and appreciation. Alongside robust protection for your wealth and legacy planning, the Plan encompasses a variety of legacy solution tools, including Contingent Policy Owners and/or Contingent Insureds, policy split, Policy-split Advance Instruction, Change of the Insured and/or the Policy Owner, and 11 Death Benefit settlement options, enabling you to adjust your planning as needed and helping you flexibly realize your children's dreams.
Product Features
Long-term Wealth Growth
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Lifetime Annuity for Worry-free Retirement
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- [Unique-in-market]1 Choose from up to 12 lifetime annuity options2 to help achieve financial independence after retirement
- Select one that suits your needs the best, such as sharing the annuity with your spouse or receiving double annuity income in case of the first diagnosis of a critical illness or Severe Dementia
Notes:
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 life insurance companies for individual customers as of April 1, 2026.
2. For details of the 12 annuity options, please refer to the product brochure.
Legacy Planning
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- Prior nomination of up to 3 Contingent Policy Owners and 3 Contingent Insureds to ensure your policy endurance
- Split the Policy and [First-in-market]3 Policy-split Advance Instruction to match with your wealth allocation arrangement
- Changing the Insured or the Policy Owner for unlimited times to align with your most current legacy planning
- Advance instruction for mental incapacitation, ensuring your family can own and manage your assets in case of emergency, to prevent them from falling into financial difficulties
- Choose from 11 Death Benefit settlement options to select the most suitable payout arrangement for your loved ones
- Offer Interim Policy Owner Service4 to help you ensure continuity for your legacy
Notes:
3. The above description of “First-in-market” is based on our understanding and interpretation of the current market information, by comparing Policy-split Advance Instruction Option with other publicly available multi-currency savings insurance plans issued by major Hong Kong life insurance companies for individual customers as of April 1, 2026.
4. 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.
Emergency Financing Arrangements
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- Features Premium Holiday5, Flexi Withdrawal Option and Waiver of Premium Benefit6, allowing you to respond to urgent financial needs or unfortunate events
Notes:
5. Premium Holiday is applicable to policies with 5-year Premium Payment Term only and request can be submitted from the
2nd policy anniversary onwards.
6. Waiver of Premium Benefit is applicable to policies with 5-year Premium Payment Term only.
- [Unique-in-market]1 Choose from up to 12 lifetime annuity options2 to help achieve financial independence after retirement
- Select one that suits your needs the best, such as sharing the annuity with your spouse or receiving double annuity income in case of the first diagnosis of a critical illness or Severe Dementia
2. For details of the 12 annuity options, please refer to the product brochure.
- Prior nomination of up to 3 Contingent Policy Owners and 3 Contingent Insureds to ensure your policy endurance
- Split the Policy and [First-in-market]3 Policy-split Advance Instruction to match with your wealth allocation arrangement
- Changing the Insured or the Policy Owner for unlimited times to align with your most current legacy planning
- Advance instruction for mental incapacitation, ensuring your family can own and manage your assets in case of emergency, to prevent them from falling into financial difficulties
- Choose from 11 Death Benefit settlement options to select the most suitable payout arrangement for your loved ones
- Offer Interim Policy Owner Service4 to help you ensure continuity for your legacy
4. 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.
- Features Premium Holiday5, Flexi Withdrawal Option and Waiver of Premium Benefit6, allowing you to respond to urgent financial needs or unfortunate events
6. Waiver of Premium Benefit is applicable to policies with 5-year Premium Payment Term only.
Awards
Outstanding Application of Diversified Investment Strategies
-
Single Premium:
Age 0-80 -
5-year premium-payment term:
Age 0-75
- Whole of life
- Single Premium / 5 Years
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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YF Life Insurance International Ltd. ("YF Life") and YF Life Trustees Limited ("YFT") (whichever is/ are applicable) (collectively “YF”) intend to use your name and any of your contact details for direct marketing activities in relation to health, medical, insurance, financial or retirement products or services. However YF may not so use your personal data without your consent.
If you prefer not to receive any direct marketing promotions or materials from YF, you may make such a request in writing, details are as follows:
- send your request in writing to our Personal Data Protection Officer of YF Life (Address: 27/F, YF Life Tower, 33 Lockhart Road, Wanchai, Hong Kong or Avenida Doutor Mario Soares No. 320, Finance and IT Center of Macau, 8 Andar A, Macau); or
- send your request in writing to our MPF Personal Data Protection Officer of YFT (Address: 27/F, YF Life Tower, 33 Lockhart Road, Wanchai, Hong Kong.
YF will, without any charge, cease to so use your personal data in direct marketing activities upon receipt of your written request.
I understand and agree that my personal information (including a record of my image or voice by whatever means and my health information) collected by or held by YF Life Insurance International Ltd. ("YF Life") may be used for the purposes of: (1) approving, evaluating or processing my insurance application/policy service request; (2) administering, maintain or reinsuring my policies; (3) adjudicating my claims, or conducting any investigation or analysis of my claims; (5) processing my participation in the Macau Non-Mandatory Central Provident Fund System/ Macau Pension Scheme (collectively referred to as the “Pension Schemes”); (6) providing administrative, computer or any other services as may be considered necessary in connection with the Pension Schemes operations; (7) data matching; (8) investigation or prevention of crime; or (9) fulfilling legal or regulatory requirements.
I understand and agree that my personal and retirement particulars collected by or held by YF Life Trustees Limited ("YFT") may be used for the purposes of: (1) processing my participating in the Mandatory Provident Fund Scheme; (2) providing administrative, computer or any other services as may be considered necessary in connection with the Mandatory Provident Fund Scheme (“MPF Scheme”) operation; (3) fulfilling legal or regulatory requirements of any relevant jurisdiction (including any disclosure or notification requirements to which any recipient of the data is subject); or (4) providing information for the dispatch of information on MPF Scheme products or services from YFT.
I understand and agree that the provision of my personal data is entirely voluntary. However, failure to provide any information requested by YF Life/ YFT may result in YF Life/ YFT not being able to process my request.
I understand and agree that my personal information collected by or held by YF Life/ YFT may be transferred or disclosed by YF Life/ YFT to any of the following persons (whether within or outside Hong Kong/ Macau) for the purposes as specified above or to governmental / regulatory bodies (whether within or outside Hong Kong/ Macau) for them to carry out their governmental / regulatory functions: (1) group companies of YF Life/ YFT and their associated / affiliated companies; (2) financial institutions, insurance companies, intermediaries and reinsurers; (3) claims investigation companies or any companies / persons necessary for claims assessment / investigation; (4) industry associations / federations and their members; (5) governmental / regulatory bodies and law enforcement agencies; (6) crime prevention organizations and their members / participants ; and (7) service providers and selected persons which are under a duty of confidentiality to YF Life/ YFT.
I understand that I have the right to access, and to correct, any of my personal information held by YF Life/YFT by writing to the Personal Data Protection Officer of YF Life (Address: 27/F, YF Life Tower, 33 Lockhart Road, Wanchai, Hong Kong (applicable to insurance policy(ies) in Hong Kong) or Avenida Doutor Mario Soares No. 320, Finance and IT Center of Macau, 8 Andar A, Macau (applicable to insurance policy(ies) in Macau/ Pension Schemes)); or by writing to the MPF Personal Data Protection Officer of YFT (Address: 27/F, YF Life Tower, 33 Lockhart Road, Wanchai, Hong Kong (applicable to MPF Scheme)). YF Life/ YFT may charge a reasonable fee for the processing of such a request.

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