The major shareholders* of YF Life Insurance International Limited (YF Life) include Massachusetts Mutual Life Insurance Company (MassMutual), which itself has 174 years of experience and is one of the Five Largest US Life Insurance Companies**, as well as Yunfeng Financial Holdings Limited, among others.
YF Life is a long-term strategic partner of Barings. We stay at the forefront of Hong Kong’s insurance industry with our superior global investment capabilities, extensive partnership network, and fintech innovation.
* MassMutual and Yunfeng Financial Holdings Limited have indirect shareholdings in YF Life Insurance International Limited.
** The“Five Largest US Life Insurance Companies”are ranked according to the results of“Insurance: Life, Health (Mutual)”and“Insurance: Life, Health (Stock)”on total revenues for 2024, and based on the FORTUNE 500 as published on June 2, 2025.
Since taking root in Hong Kong, YF Life has been providing an array of life insurance products including medical, critical illness, savings, and retirement annuity plans, as well as MPF services, enabling customers to manage their risks and wealth with our global perspective and smart technology.
"Invesurance" is our unique investment philosophy, implemented via our distinctive "1+N" investment framework. With Barings, a premier global asset management firm under MassMutual, as our long-term partner, we have established a solid foundation for capital growth. On top of internal resources, we also leverage our extensive investment network and have established long-term partnerships with global asset managers (the “N” component of our investment framework), such that we can actively pursue opportunities for enhanced returns. This enables us to create a trustworthy wealth protection ecosystem for our customers.
1 in every 4 annuity insurance policies in Hong Kong is from YF Life*
96% persistency rate, outperforming peers in the industry**
Up to 101% fulfillment ratio for the flagship savings insurance***
Stable dividend payout of over 4% on lifetime annuity policies for 20 consecutive years****
240%+ solvency ratio, significantly higher than regulatory requirements*****
‘A-’ (Strong) Insurer Financial Strength Rating with a stable outlook from Fitch Ratings for 7 consecutive years
Supported by global shareholders including MassMutual and partnering with Barings, we pursue investment value through real-time access to top local resources via a global expert network—delivering strong asset allocation and risk diversification.
YF Life upholds a Customer First principle, fulfilling all policy commitments while placing policyholders’ interests at the core. We adhere to strict investment discipline and manage each policy's assets with integrity, diligence, and prudence—sharing quality investment returns with relevant policies.
We adopt a first-principles approach to understand evolving social trends and customer needs, driving continuous product innovation and refinement. With every life stage in mind, we enhance experiences to ensure customers are well-prepared for all life scenarios.
We leverage smart technology to transform insurance，from streamlined operations and AI-powered research to intuitive user interfaces. At the same time, we are building a financial ecosystem to support better living.
Supported by global shareholders including MassMutual and partnering with Barings, we pursue investment value through real-time access to top local resources via a global expert network—delivering strong asset allocation and risk diversification.
YF Life upholds a Customer First principle, fulfilling all policy commitments while placing policyholders’ interests at the core. We adhere to strict investment discipline and manage each policy's assets with integrity, diligence, and prudence—sharing quality investment returns with relevant policies.
We adopt a first-principles approach to understand evolving social trends and customer needs, driving continuous product innovation and refinement. With every life stage in mind, we enhance experiences to ensure customers are well-prepared for all life scenarios.
We leverage smart technology to transform insurance，from streamlined operations and AI-powered research to intuitive user interfaces. At the same time, we are building a financial ecosystem to support better living.
