Vantage Infinity Savings Insurance Plan

Benefit term: Whole lifePublic source · Checked: 13 Oct 2026

Recorded features: Guaranteed cash value and non-guaranteed bonuses; bonus lock-in is subject to policy conditions.Public source · Checked: 13 Oct 2026

Attached supplementary benefits terminate when a premium holiday begins; policy loans and policy splitting are unavailable during that holiday.Public source · Checked: 13 Oct 2026

Waiver of Premium Benefit across all company policies and supplementary benefits has a USD200,000 or equivalent per-life limit.Public source · Checked: 13 Oct 2026

Premium payment terms: Single premium / 5 yearsPublic source · Checked: 13 Oct 2026

Minimum premium & basis: USD 100,000 / Annual / 5-year term; single premium option minimum USD 500,000.Public source · Checked: 13 Oct 2026

Minimum premiums are USD500,000 for single premium or USD100,000 annually for five-year payment.Public source · Checked: 13 Oct 2026

The product table describes premiums as level and guaranteed.Public source · Checked: 13 Oct 2026

Guaranteed cash value and non-guaranteed bonuses; bonus lock-in is subject to policy conditions.Public source · Checked: 13 Oct 2026

The premium waiver excludes disease occurring within one year of the applicable effective coverage, ownership-change or insured-change date. Applicable total-disability claims require at least six continuous months of disability.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Premium waiver exclusions include pre-existing symptoms, first-year disease, self-injury, non-prescribed intoxicants, war, specified hazardous activities and HIV-related illness. These exclusions concern the premium waiver on five-year-payment policies.Public source · Checked: 13 Oct 2026

Early surrender can return cash value considerably below total premiums paid.Public source · Checked: 13 Oct 2026

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: 13 Oct 2026

Insurer claims guide · Savings surrender / withdrawal

Savings surrender / withdrawal — Steps: Beyond Infinity: submit a written request to terminate the policy; this constitutes surrender.Public source · Checked: 13 Oct 2026

Savings surrender / withdrawal — Assessment / payment timing: Beyond Infinity may defer surrender-benefit payment up to 6 months after written request, unless used to pay premiums to YF Life.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 12 Oct 2026

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: 13 Oct 2026

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: 13 Oct 2026

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: 13 Oct 2026