YF Life's iWealth Application ("Application") assists you to plan for your future. In addition, you can access the updated market information and search for the latest unit prices of the investment choices available under the “Global Series” and "Premier-Choice Series" investment-linked insurance products and the performance data of the corresponding underlying funds. For details of the “Global Series” and "Premier-Choice Series" investment-linked insurance products, please refer to the offering documents of the respective products.
The “Global Series” includes Global InvestPlan, Global InvestPlus and GlobalONE Plus*. The “Premier-Choice Series” includes Premier-Choice ULife InvestPlan, Premier-Choice Flexi, Premier-Choice Flexi Plus, Premier-Choice InvestPlan and Premier-Choice Plus InvestPlan. However, Global InvestPlan and Global InvestPlus is not available to new policy application and is not marketed to the public in Hong Kong. “Premier-Choice Series” is not available to new policy application and is not marketed to the public in Hong Kong and Macau.
* Not available for sale in Macau
- The “Global Series” and "Premier-Choice Series" investment-linked insurance products issued by YF Life Insurance International Ltd. (the "Company") are life insurance policies. Your investments are subject to the credit risks of the Company.
- All premiums you pay towards your policy will become and remain the assets of the Company. You do not have any rights or ownership over any of those assets. Your recourse is against the Company only.
- Early surrender or withdrawal of the policy/suspension of premium or reduction in premium/basic sum insured (if applicable) may result in a significant loss of the principal and the bonuses awarded. Poor performance of underlying funds/assets may further magnify your investment losses, while all charges are still deductible (if any).
- Although your policy is a life insurance policy, because part of the death benefit is linked to the performance of the underlying funds of your selected investment choices from time to time, your death benefit is subject to investment risks and market fluctuations. The death benefit payable may be significantly less than your premiums paid and may not be sufficient for your individual needs.
- More importantly, you should be aware of the following regarding your death benefit and the cost of insurance ("insurance charges") (applicable to Global InvestPlan, InvestPlus and Premier-Choice ULife InvestPlan):
-
-
-
-
-
-
If the value of your policy becomes insufficient to cover all the ongoing fees and charges, including the insurance charges, your policy may be terminated early and you could lose all your premiums paid and benefits.
-
- The investment choices available under the products can have very different features and risk profiles. Some may be of high risk.
- Investment involves risks. Your policy value and thus your return are calculated by the Company in good faith with reference to the performance of the underlying fund(s)/assets from time to time and the policy charges which will continue to be deducted from your policy. The return under the policy as a whole may be lower than the return of the underlying funds linked to your selected investment choices, due to the various fees and charges levied by the Company on your policy. Past performance is not indicative of future performance.
- Please do not rely on this Application alone. You should read this in conjunction with the offering documents (consist of the “Product Key Facts and Product Brochure” and the “Investment Choice Brochure”) of the relevant products and the offering documents of the respective underlying funds involved for details, including charges and risk factors.
- You should not purchase the relevant product unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.
All unit prices relate to the bid/offer prices of the investment choices.
All information regarding launch date, fund size, investment performance and Morningstar Rating relate to the corresponding underlying funds of the investment choices. Data are extracted and sourced from Morningstar, Inc. Returns are computed on NAV to NAV, with dividends reinvested, in US Dollars. Data Source – ©[2021] Morningstar, Inc. All rights reserved.
Morningstar, Inc. is not responsible for any damages or losses arising from any use of this information.
All investment choices are denominated in US Dollar, although some underlying funds are denominated in other currency. As such, the performance of the investment choice which is calculated in US Dollar, may be different from that of the underlying fund which is calculated in its own currency, and the unit price of investment choice may vary from that of the underlying fund. The performance of those investment choices may be subject to potential gain or loss due to any exchange-rate fluctuation.
Investment performance of underlying funds established for less than 6 months are not displayed.
The data and information contained in this Application was obtained from sources that the Company considers reliable. The Company makes no warranty or representation as to the correctness, completeness and accuracy of the data and information from the source of a third party. All information is for reference only and should not be treated as advice for making any investment decisions. Any person considering an investment should seek independent advice on the suitability or otherwise on the particular investment.
Investment involves risks. The unit prices of investment choices may go down as well as up. Past performance is not indicative of future performance. For details of the products, including charges and risk factors, and the relevant charges of the investment choices, please refer to the offering documents of the respective products.
All information contained in this Application was prepared by YF Life Insurance International Ltd. Unless otherwise authorized by YF Life Insurance International Ltd., the information should not be reproduced or further distributed to any person or entities, whether in whole or in part, for any purpose.