Skip to content
港險通Hong Kong Insurance Connect
Ask a broker

Information, not advice; we refer to a licensed Hong Kong broker.

FLEXI-ULife Prime Saver

Last checked

At a glance

Insurer
YF Life Insurance International Limited
Product category
Other
Policy currencies
HKD / USD
Premium payment terms
To age 100
Issue ages & basis
Issue ages & basis (1)
Issue ages & basis
Recorded informationPremium payment terms / Age basis
0 years to 75 yearsIncreasing Benefit Plus: ages 0–55 only.
Age basis: Age last birthday
  • Universal life plan with account value, crediting interest and flexible premium arrangements; charges and policy conditions apply.
Product enquiry via a licensed Hong Kong brokerCompare with similar plans

Decision sheet

4 of 13 known · 9 not published
What it pays and when

Benefit term: To age 100Public source · Checked:

Recorded features: Universal life plan with account value, crediting interest and flexible premium arrangements; charges and policy conditions apply.Public source · Checked:

Benefit limits
not published
Premium and payment term

Premium payment terms: To age 100Public source · Checked:

How premiums can change
not published
Guaranteed / non-guaranteed
not published
Waiting periods
not published
Main exclusions
not published
Surrender / cancellation
not published
Cooling-off

Cancellation notice must reach the insurer within 21 calendar days after delivery of the policy or its availability/cooling-off notice, whichever is earlier; follow the brochure’s written-notice requirements. For basic cover only; rider cancellation follows the attached policy.Public source · Checked:

Riders
not published
Claims steps

Insurer claims guide

not published
Policy servicing from abroad
not published
Complaints and dispute routes

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked:

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked:

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked:

Known means some sourced information is available, not complete terms. Missing details are not evidence of no cover or no restriction.

Questions to ask before buying

Questions to ask before buying (11)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

  1. What benefit limits apply?
  2. When and how can premiums change?
  3. What waiting periods apply?
  4. What exclusions apply?
  5. What are the cancellation terms and any surrender value or charges?
  6. Which riders are available, and what are their costs and terms?
  7. What are the claim steps, documents and deadlines?
  8. How can I service the policy from abroad, and what restrictions apply?
  9. Can you provide the key facts statement and policy provisions for this product?
  10. What is the cooling-off period, and how do I cancel during it?
  11. Which benefits and values are guaranteed, and which are not?
Belongs to

Belongs to

Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.

More product information from this insurer:

FLEXI-ULife Prime Saver Jr.

Insurers (15)
Similar products from other insurers

Similar products from other insurers

Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Other

Source 4
Policy currencies

HKD / USD

Source 4
Premium payment terms

To age 100

Source 5
Benefit term

To age 100

Source 5
Issue ages & basis
Issue ages & basis
Recorded informationPremium payment terms / Age basis
0 years to 75 yearsIncreasing Benefit Plus: ages 0–55 only.
Age basis: Age last birthday
Source 5
Recorded features

Universal life plan with account value, crediting interest and flexible premium arrangements; charges and policy conditions apply.

Source 1
Names in other languages
English
FLEXI-ULife Prime Saver
繁體中文
首選靈活萬用壽險計劃
简体中文
首选灵活万用寿险计划

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

Checked:

  1. FLEXI-ULife Prime Saver — official product page (en)

    Source date: Not confirmed

  2. 首選靈活萬用壽險計劃 — official product page (zh-hant)

    Source date: Not confirmed

  3. 首选灵活万用寿险计划 — official product page (zh-hans)

    Source date: Not confirmed

  4. FLEXI-ULife Prime Saver — public brochure

    Source date: Not confirmed / Page: 16

  5. FLEXI-ULife Prime Saver — public brochure

    Source date: Not confirmed / Page: 18