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MY Flexi Lifetime Annuity

Last checked

At a glance

Insurer
YF Life Insurance International Limited
Product category
Other
Policy currencies
USD / GBP / AUD / CAD / CNY / SGD / HKD
Issue ages & basis
Issue ages & basis (1)
Issue ages & basis
Recorded informationPremium payment terms / Age basis
18 years to 75 years
Age basis: Age last birthday
Minimum premium & basis
USD 1,200 / Annual / USD regular premiums; single USD 10,000 (USD 5,000 with qualifying plans). Other currency minima differ.
  • Universal life plan with currency exchange and policy split options; conditions apply.
Product enquiry via a licensed Hong Kong brokerCompare with similar plans

Decision sheet

4 of 13 known · 0 not published · 9 not yet checked
What it pays and when

Benefit term: Whole lifePublic source · Checked:

Recorded features: Universal life plan with currency exchange and policy split options; conditions apply.Public source · Checked:

Benefit limits
not yet checked
Premium and payment term

Minimum premium & basis: USD 1,200 / Annual / USD regular premiums; single USD 10,000 (USD 5,000 with qualifying plans). Other currency minima differ.Public source · Checked:

Regular premiums for 5–62 years, with issue age plus premium term no more than 80; single premium also available.Public source · Checked:

How premiums can change
not yet checked
Guaranteed / non-guaranteed
not yet checked
Waiting periods
not yet checked
Main exclusions
not yet checked
Surrender / cancellation
not yet 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 yet checked
Claims steps

Insurer claims guide

not yet checked
Policy servicing from abroad
not yet 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 (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:

MY Lifetime Immediate Annuity

Insurers (15)
Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

Other

Source 1
Policy currencies

USD / GBP / AUD / CAD / CNY / SGD / HKD

Source 4
Benefit term

Whole life

Source 1
Issue ages & basis
Issue ages & basis
Recorded informationPremium payment terms / Age basis
18 years to 75 years
Age basis: Age last birthday
Source 1
Minimum premium & basis

USD 1,200 / Annual / USD regular premiums; single USD 10,000 (USD 5,000 with qualifying plans). Other currency minima differ.

Source 4
Recorded features

Universal life plan with currency exchange and policy split options; conditions apply.

Source 1
Names in other languages
English
MY Flexi Lifetime Annuity
繁體中文
萬通多元終身年金
简体中文
万通多元终身年金

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

Sources & verification dates

Sources & verification dates

Checked:

  1. MY Flexi Lifetime Annuity — official product page (en)

    Source date: Not confirmed

  2. 萬通多元終身年金 — official product page (zh-hant)

    Source date: Not confirmed

  3. 万通多元终身年金 — official product page (zh-hans)

    Source date: Not confirmed

  4. MY Flexi Lifetime Annuity — public brochure

    Source date: Not confirmed / Page: 13