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.
背靠包括主要權益股東美國萬通在內的全球多元股東陣容，並與全球頂流之一的投資機構霸菱合作，旨在實現投資價值；聚合遍佈世界主要經濟體的頂級投資機構與金融專家網絡，零時差鏈接全球優質在地資源，讓保單資產獲得高規格的全球配置穿透力與風險分散。
秉持客戶利益為先的基本原則，承擔保單所定明的責任，始終將保單持有人的利益置於核心，嚴守投資紀律，以最高標準的真誠、勤勉與審慎管理每份保單資產，並樂於將優質投資帶來的豐厚收益分享給相關保單。
以客戶視角，堅持從第一性原理出發，洞察社會趨勢與人群需求，隨著社會需求的變化而不斷優化產品，引領產品功能創新。同時，以滿足客戶每個人生階段的目標為最高宗旨，在精雕細琢中不斷優化產品體驗，為每種人生劇本做好萬全準備。
以智慧科技賦能保險事業，從高效的內部流程、AI驅動的投研分析，到友好的使用者介面，全方位重塑保險體驗。同時，積極探索圍繞美好人生需求的金融生態共建。
