Special Notice

In response to the latest development of the epidemic in Macau and taking into account the preventive measure and control guidelines and recommendations of the Macau government, in order to avoid crowds, our customer service center at Avenida Doutor Mario Soares No. 320, Finance and IT Center of Macau, 8 Andar A,  will be temporarily suspend from June 21 to July 1. Related external services will be suspended until further notice. If you have any enquiries, please call our customer service hotline 2832 2622 or click the following link: https://corp.yflife.com/en/Contact-Us/ to visit our company website for enquiries. Sorry for any inconvenience caused.

Global InvestPlan

Important Information

  • This investment-linked insurance product issued by YF Life Insurance International Ltd. (“the Company”) is a life insurance policy. Your investments are subject to the credit risks of the Company.
  • All premiums you pay towards your policy will become and remain the assets of the Company. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only.
  • Early surrender or withdrawal of the policy/suspension of or reduction in premium may result in a significant loss of the principal and the bonuses awarded. Poor performance of underlying funds may further magnify your investment losses, while all charges are still deductible. In addition, no-lapse condition will cease and no longer be applicable once there is/has ever been any cash withdrawal.
  • Although your policy is a life insurance policy, because part of the death benefit is linked to the performance of the underlying funds linked to your selected investment choices from time to time, your death benefit is subject to investment risks and market fluctuations. The death benefit payable may be significantly less than your premiums paid and may not be sufficient for your individual needs.
  • You should be aware that upon reduction in target yearly premium of basic plan, a significant portion of the notional units of investment choices in the policy will be redeemed automatically and the policy value will be reduced accordingly. You should think carefully before reducing the target yearly premium of basic plan.
  • More importantly, you should be aware of the following regarding your death benefit and the cost of insurance ("insurance charges"): 
    — Part of the fees and charges you pay that will be deducted from the value of your policy will be used to cover the insurance charges for the life coverage and any additional coverage you may choose. 
    — The insurance charges will reduce the amount that may be applied towards investment in the underlying funds linked to your selected investment choices. 
    — The insurance charges may increase significantly during the term of your policy due to factors such as the insured's age. This may result in significant or even total loss of your premiums paid. 
    — If the surrender value of your policy becomes insufficient to cover all the ongoing fees and charges, including the insurance charges, and where the no-lapse condition is not applicable, your policy may be terminated early and you could lose all your premiums paid and all of the benefits. 
    — You should consult your intermediary for details, such as how the charges may increase and could impact the value of your policy.
  • The investment choices available under this product can have very different features and risk profiles. Some may be of high risk.
  • Investment involves risks. Your policy value and thus your returns will be calculated by the Company with reference to the performance of the underlying fund(s) from time to time, and the policy charges will continue to be deducted from your policy. The return under the policy as a whole may be lower than the return of the underlying funds linked to your selected investment choices, due to the various fees and charges levied by the Company on your policy. Past performance is not indicative of future performance.
  • Your policy may automatically be terminated in the event that (i) premiums remain outstanding during the minimum contribution period or (ii) the surrender value at the beginning of any policy month is insufficient to cover the policy charges and at the end of the 31-calendar-day grace period from the beginning of such policy month, the surrender value is still insufficient to cover the outstanding policy charges and where the no-lapse condition is not applicable, even if you do not make any cash withdrawal. The surrender value at the beginning of any policy month and at the end of the 31-calendar-day grace period may drop and become insufficient to cover the policy charges under various circumstances, including but not limited to market downturn which is beyond your control. Such termination will be subject to surrender charge within the surrender charge period and may result in a significant loss.
  • Please do not rely on this material alone. You should read this in conjunction with the offering documents (consisting of the "Product Key Facts and Product Brochure" and the "Investment Choice Brochure") of the product, and the offering documents of the respective underlying funds involved for details, including charges and risk factors.
  • You should consider your own investment objective, your personal financial circumstances and risk tolerance level before making any investment decision. The final decision is yours.

Global InvestPlan

Global InvestPlan is a regular-premium investment-linked insurance product that offers you investment features as well as insurance coverage. It gives you access to a range of over 100 global investment choices covering different asset classes, geographical locations and business sectors. Global InvestPlan is an investment-linked insurance product under Class C linked long-term business as defined in the Insurance Companies Ordinance (ICO).

Important Information 

Investment involves risks. The unit price of investment choices may go down as well as up. Past performance is not indicative of future performance. For details of the investment-linked insurance products, including charges and risk factors, and the relevant charges of the investment choices, please refer to their offering documents.

All consultants of YF Life Insurance International Ltd. are prohibited from providing customers or potential customers with investment advice of any kind, including but not limited to investment selection and allocation. Customers should make their own investment decisions and bear the inherent risks independently.

For enquiries, please contact our consultants, franchised agents or brokers, or call our Customer Service Hotline: 2533 5555.

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