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.

Yearly Renewable and Convertible Term Insurance gives maximum insurance protection for your premium dollar

Should you need to extend your coverage for a further year, the premium will be adjusted according to your age at the date of renewal. A pure protection plan that you and your family will enjoy financial security for the lowest initial outlay.

Guaranteed Renewable up to Age 100
Within Reach
Guaranteed Convertibility
  • Provides the most flexible benefit terms as it is guaranteed renewable every year up to age 100
  • A pure protection plan that you and your family will enjoy financial security for the lowest initial outlay
  • Can be converted into a universal life plan or savings plan whenever it makes good sense to do so
  • The right to convert without a medical examination is guaranteed before age 60
Benefit Term
Benefit Term

If the plan is a Basic Plan:
up to age 100 of the Insured

If the plan is a Supplementary Benefit:
up to (1) age 100 of the Insured, or (2) the end of the premium payment term for the basic plan to which the supplementary benefit is attached, whichever is earlier. 

Premium Payment Term
Premium Payment Term

If the plan is a Basic Plan:
up to age 100 of the Insured

If the plan is a Supplementary Benefit:
up to (1) age 100 of the Insured, or (2) the end of the premium payment term for the basic plan to which the supplementary benefit is attached, whichever is earlier.

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