CTF Life Introduces Strategic Wealth Solution with Targeted 6.5% IRR

CTF Life has formally announced the launch of the MyWealth Beyond Savings Insurance Plan, a sophisticated wealth management instrument designed to provide long-term capital growth through flexible premium structures and a dynamic asset allocation framework. The product enters the market with a projected total internal rate of return (IRR) of up to 6.5% by the 20th policy year, specifically for single-premium policies denominated in United States Dollars (USD).

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 personal risk appetites. The plan facilitates transitions between three distinct allocation modes:

• Advance: Focused on aggressive growth to maximise potential returns.

• Balanced: Designed to provide a moderate risk-reward profile through a diversified asset mix.

• Conservative: Prioritising capital preservation and stability.

By offering these modes, CTF Life enables clients to adjust their strategy without the necessity of surrendering the policy or initiating a new contract, thereby maintaining the continuity of their wealth accumulation trajectory.

Flexibility and Legacy Planning Tools

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, retirement abroad, or diverse currency portfolios.

Furthermore, the Policy Split Option provides a mechanism for legacy management. This feature allows the original policy to be divided into multiple separate policies, which can then be transferred to different beneficiaries. This facilitates the seamless distribution of wealth while preserving the underlying growth potential of the assets.

Premium Structure and 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 looking for periodic contributions can access the product’s benefits.

Institutional Solvency and Financial Position

The launch of this product is supported 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 key indicator of the insurer’s capital adequacy and its capacity to meet long-term obligations to 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 products that combine traditional life insurance protections with high-yield investment components. As interest rate environments evolve globally, 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 for prospective clients evaluating the security and longevity of their long-term savings plans.