YF Life Enhances “Infinity Saver 3”
All New Policy-split Option Addresses Customer Needs at Different Stages of Life Enjoy Up to 24% Annualized Premium Discount

July 5, 2022

Ever since its launch, flagship product “Infinity Saver 3” by YF Life Insurance International Ltd. (YF Life) has received constant acclaim from customers. To make the plan even more flexible, YF Life has now added a Policy-split Option for customers to address their needs at different stages of life. 

Ms. Jasmine Hui, Head of Product Strategy and Pricing at YF Life, said, “Since its launch, ‘Infinity Saver 3’ has been constantly focused on helping customers achieve the three major financial goals: capital accumulation, retirement, and wealth legacy. In order to meet the customers’ and their children’s future plans for further education, starting a new business, or retirement, the plan’s multiple currency options allow customers to flexibly change to the currency that best suits their needs. And to further enhance the flexibility of the product, we have specially added a Policy-split Option. Customers may not only split the policy to their loved ones, but also change the policy currency for each policy so as to satisfy their needs at different stages of life.”

“Infinity Saver 3” offers a choice of up to 8 policy currencies, including US Dollar (US$), British Pound (GBP), Australian Dollar (AUD), Canadian Dollar (CAD), Renminbi (RMB), Singapore Dollar (SGD), Hong Kong Dollar (HK$), and Macau Pataca (MOP)1, any of which can be chosen upon application and can then be flexibly changed in the future that best suits themselves. The plan’s Policy-split Option allows customers to split the policy into several policies by converting a portion of its cash value, while the policy currency for each policy may also be changed. The plan not only offers Guaranteed Cash Value, but also non-guaranteed Annual Dividend and Terminal Bonus. Thanks to the “snowball effect”, the projected Cash Value continues to accumulate, such that the projected total internal rate of return (IRR) can be as high as 7%2. Customers may also opt to accumulate the Annual Dividend in their policy to gear up for higher returns, or withdraw it for other uses. And from the third policy anniversary onwards, the non-guaranteed Terminal Bonus will be declared at least once a year, and customers may then exercise the Terminal Bonus Lock-in Option to convert a portion of the Terminal Bonus into Annual Dividend, so that they can either cash out or leave it to accumulate in the policy for higher returns. 

The plan also provides a range of flexible funding arrangements, including a Premium Holiday of up to four years, allowing customers to manage their finances better. To meet the personal retirement needs of different customers, the plan offers a broad range of 11 annuity options, which is unique in the market. When exercising the annuity options3, customers may opt to convert all of the accumulated cash value into a lifetime annuity, or convert part of the cash value into a lifetime annuity and leave the balance to accumulate in the policy. In addition, customers may opt to transfer the policy ownership/change the Insured unlimited times to grow and share the wealth across the generations.

With the enhancement of the product, from now until August 31, successful applicants for “Infinity Saver 3” will enjoy up to 24% discount on annualized premium4.

YF Life Insurance International Limited is a member of publicly listed Yunfeng Financial Group Limited, whose major shareholders include Yunfeng Financial Holdings Limited5 and Massachusetts Mutual Life Insurance Company5, one of the “Five Largest US Mutual Life Insurance Companies”6. Leveraging our robust financial background and solid reliability, YF Life is committed to helping customers “own the future” by providing professional and technology-enhanced one-stop risk- and wealth-management consulting services, as well as MPF services.

For more details about Infinity Saver 3 and the promotion campaign, please visit www.yflife.com or scan the QR codes.

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Notes:

1.    For policies issued in Macau only.
2.    The projected total internal rate of return is calculated in US Dollar / Renminbi and is non-guaranteed.
3.    Applicable to US Dollar, Renminbi, HK Dollar, or Macau Pataca policies.
4.    Subject to relevant terms and conditions.

5.    Yunfeng Financial Holdings Limited and Massachusetts Mutual Life Insurance Company have an indirect shareholding in Yunfeng Financial Group Limited.
6.    The “Five Largest US Mutual Life Insurance Companies” is ranked according to the results of “Insurance: Life, Health (Mutual)” on total revenues for 2021, and based on the FORTUNE 500 as published on May 23, 2022.

YF Life enhances its “Infinity Saver 3”, with newly added policy-split option that addresses customer needs at different stages of life.

YF Life enhances its “Infinity Saver 3”, with newly added policy-split option that addresses customer needs at different stages of life.

From now until August 31, successful applicants for “Infinity Saver 3” will enjoy up to 24% discount on annualized premium.

From now until August 31, successful applicants for “Infinity Saver 3” will enjoy up to 24% discount on annualized premium.

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