CTF Life has launched a new wealth management solution, which offers both single-premium and regular-premium payment options, with an expected total internal rate of return (IRR) of up to 6.5% in the 20th policy year for a single-premium USD policy - the fastest and highest in the Hong Kong market¹ - enabling customers to realise attractive potential returns earlier.
The plan, MyWealth Beyond Savings Insurance Plan, also features the special-in-market “Wealth Accumulation Switching Option”, allowing customers to adjust their wealth management strategy by switching among three options (Advance, Balanced and Conservative).
Product features such as the “Currency Switching Option” and “Policy Split Option”, as well as multiple product advantages, are designed to comprehensively address customers’ financial needs and global wealth-planning objectives across different life stages.
Harnessing its sound investment strategy and strong financial strength, CTF Life has maintained a non-guaranteed accumulation interest rate of 4.25% per annum on participating USD policies for the 14th consecutive year.
In addition, the three signature product series have achieved a 100% or more fulfilment ratio for 10 consecutive years, demonstrating the Company’s consistency and reliability in delivering customer returns.
Customers who successfully apply for the Plan within the designated period can enjoy a maximum premium discount of up to 24% on the total premiums for the first two policy years, together with a guaranteed interest rate offer on prepaid premiums.
As of 31 December 2025, CTF Life’s solvency ratio under the Hong Kong Risk-Based Capital (HKRBC) regime stands at 282%, leading the market and well above the minimum regulatory requirement of 100%, providing solid assurance for customers’ long-term wealth accumulation.