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

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

Guaranteed Acceptance Plan

Last checked

At a glance

Insurer
YF Life Insurance International Limited
Product category
Whole life
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
18 years to 65 years
Age basis: Age last birthday
  • No medical examination or health declaration required; premium refund on surrender varies with policy duration.
Product enquiry via a licensed Hong Kong brokerCompare with similar plans

Decision sheet

10 of 13 known · 3 not published · 0 not yet checked
What it pays and when

Benefit term: To age 100Public source · Checked:

Recorded features: No medical examination or health declaration required; premium refund on surrender varies with policy duration.Public source · Checked:

Benefit limits

Maximum sum insured is USD125,000 or HKD1,000,000.Public source · Checked:

Premium and payment term

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

How premiums can change

Basic-plan premiums are level and guaranteed.Public source · Checked:

Guaranteed / non-guaranteed

The surrender premium-refund schedule is 0% before year ten, 50% from year ten and 100% from year twenty.Public source · Checked:

Waiting periods

Non-accidental death uses a graded first-four-year payment schedule, with separate HIV/AIDS and premium-floor rules; accidental death pays 100% of sum insured.Public source · Checked:

Main exclusions
not publishedDocuments checkedPublic source · Checked:
Surrender / cancellation

Early surrender may return considerably less than premiums paid.Public source · Checked:

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 publishedDocuments checkedPublic source · Checked:
Claims steps

Insurer claims guide · Life / death

Life / death — Required documents: Life Claim Application C03 is available; this entry does not provide an eClaims submission link.Public source · Checked:

Policy servicing from abroad
not publishedDocuments checkedPublic source · Checked:
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 partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

Questions to ask before buying

Questions to ask before buying (6)

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

  1. What exclusions apply?
  2. Which riders are available, and what are their costs and terms?
  3. How can I service the policy from abroad, and what restrictions apply?
  4. Can you provide the key facts statement and policy provisions for this product?
  5. What is the cooling-off period, and how do I cancel during it?
  6. Which benefits and values are guaranteed, and which are not?
How the value of this kind of plan works

How the value of this kind of plan works

Read this before any illustration. It describes these plans in general; the policy contract decides.

Guaranteed part
Guaranteed cash value is specified in the contract. Early values are usually low; non-guaranteed values may change.
Non-guaranteed part
Dividends and bonuses depend on the insurer’s results and can be cut. Fulfillment ratios show past payouts.
Stopping early
Early surrender usually returns less than premiums paid. The break-even year depends on the individual illustration.
Currency
Values are paid in the policy currency. If you spend in another currency, exchange rates can add to or erase the return.
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:

LifeDeluxe for Future

Goals and audience categories described by product type

Insurers (12)
Similar products from other insurers

Similar products from other insurers

Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Whole life

Source 1
Policy currencies

HKD / USD

Source 4
Premium payment terms

To age 100

Source 1
Benefit term

To age 100

Source 1
Issue ages & basis
Issue ages & basis
Recorded informationPremium payment terms / Age basis
18 years to 65 years
Age basis: Age last birthday
Source 1
Recorded features

No medical examination or health declaration required; premium refund on surrender varies with policy duration.

Source 1
Names in other languages
English
Guaranteed Acceptance Plan
繁體中文
無條件人壽保障計劃
简体中文
无条件人寿保障计划

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

Sources & verification dates

Sources & verification dates

Checked:

  1. Guaranteed Acceptance Plan — official product page (en)

    Source date: Not confirmed

  2. 無條件人壽保障計劃 — official product page (zh-hant)

    Source date: Not confirmed

  3. 无条件人寿保障计划 — official product page (zh-hans)

    Source date: Not confirmed

  4. Guaranteed Acceptance Plan — public brochure

    Source date: Not confirmed / Page: 2