CTF Life has formally announced the launch of the MyWealth Beyond Savings Insurance Plan, a sophisticated wealth management instrument engineered to facilitate long-term capital growth through versatile premium structures and a dynamic asset allocation framework. This product enters the market with a projected total internal rate of return (IRR) of up to 6.5% by the 20th policy year, specifically applicable to single-premium policies denominated in United States Dollars (USD).
Table of Contents
Dynamic Wealth Accumulation Framework
A primary feature distinguishing this plan within the competitive insurance landscape is the Wealth Accumulation Switching Option. This mechanism provides policyholders with the autonomy to recalibrate their investment exposure in response to shifting market conditions or evolving personal risk appetites. The plan facilitates seamless transitions between three distinct allocation modes:
Advance: Specifically focused on aggressive growth to maximise potential returns through higher equity exposure.
Balanced: Designed to provide a moderate risk-reward profile through a diversified and stabilised asset mix.
Conservative: Prioritising capital preservation and lower volatility to ensure financial stability.
By offering these modes, CTF Life enables clients to adjust their financial strategy without the necessity of surrendering the policy or initiating a newly underwritten contract, thereby maintaining the uninterrupted continuity of their wealth accumulation trajectory.
Flexibility and Legacy Planning Mechanisms
The MyWealth Beyond Savings Insurance Plan incorporates several structural advantages intended to address complex financial requirements and multi-generational planning. These include the Currency Switching Option, which allows policyholders to convert their policy value into various major currencies. This is particularly relevant for individuals managing international education expenses, planning for retirement abroad, or diversifying currency portfolios to mitigate exchange rate risks.
Furthermore, the Policy Split Option provides a robust mechanism for legacy management. This feature allows the original policy to be divided into multiple separate policies, which can subsequently be transferred to different beneficiaries or family members. This facilitates the seamless distribution of wealth while preserving the underlying growth potential and terms of the original assets.
Premium Structure and Market Accessibility
To accommodate a broad range of financial profiles, the plan offers both single-premium and regular-premium payment options. The single-premium route is specifically highlighted for its efficiency in achieving the aforementioned 6.5% IRR target over a two-decade horizon. These options ensure that both high-net-worth individuals seeking immediate capital deployment and disciplined savers intending to make periodic contributions can access the product’s benefits. The flexibility in payment allows for tailored financial planning that aligns with individual cash flow requirements.
Institutional Solvency and Financial Stability
The launch of this product is underpinned by the robust financial standing of CTF Life. As of 31 December 2025, the company reported a solvency ratio of 282% under the Hong Kong Risk-Based Capital (HKRBC) regime. This figure significantly exceeds the minimum regulatory requirements, serving as a critical indicator of the insurer’s capital adequacy and its sustained capacity to meet long-term obligations to its policyholders.
Context within the Hong Kong Insurance Market
The introduction of the MyWealth Beyond Savings Insurance Plan reflects a broader trend within the Hong Kong insurance sector toward hybrid products that combine traditional life insurance protections with high-yield investment components. As global interest rate environments continue to fluctuate, the provision of a 6.5% IRR target positions CTF Life competitively amongst regional providers.
By integrating the ability to switch between conservative and advanced strategies with multi-currency functionality, CTF Life aims to capture a larger share of the affluent and mass-affluent segments seeking versatile financial planning tools. The inclusion of the HKRBC solvency data provides an additional layer of transparency and security for prospective clients evaluating the longevity of their long-term savings plans.