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.

You can achieve better wealth creation and enjoy a brighter future

A universal life insurance plan combining high flexibility and value growth is the best solution for your life protection and wealth management.

Flexible Protections
Life Protection Options
Value-creating Advantages
Financial Flexibilities
Extra Protections for Total Peace of Mind
  • Simply adjust the original policy to increase the Sum Insured without applying for a new policy 
  • Policy Enhancement Option
  • Guaranteed Insurability Option
  • Level Benefit – with more savings
  • Increasing Benefit / Increasing Benefit Plus – both with more protection
  • Incremental Benefit – balancing savings and protection
  • Base crediting interest will be credited to the Account Value at a compound rate
  • Retrospective additional interest will be credited to the Account Value at the end of the 20th policy year and for every 5 years thereafter
  • Extra bonus will be credited to the policy at the end of the 15th policy year and for every 5 years thereafter
  • Flexible increase in Premium
  • Automatic periodic withdrawal option or withdraw a portion of the Cash Value at any time
  • Skip premium payments
  • Should the policyowner be made redundant, a “Special Grace Period” is provided for up to 365 days
  • Terminal Illness Benefit
  • Optional Supplementary Benefits
Issue Age (At Last Birthday)
Issue Age (At Last Birthday)

Age 0 - 75
(For Increasing Benefit Plus, Issue Age is 0-55)

Benefit Term
Benefit Term

To Age 100

Premium Payment Term
Premium Payment Term

To Age 100

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