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***
The basic dividend rate of the MassMutual Whole Life Annuity Series has consistently remained at or above 4%** per annum 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
We realize our investment values leveraging the resources of our major shareholder MassMutual and our partnership with world-class asset management firm Barings. We also draw on the local expertise and real-time support from a network of top investment institutions and financial experts across the world’s major economies to achieve superior global allocation and risk diversification for our policy assets.
YF Life adheres to a Customer First principle in everything we do. We fulfill the responsibilities specified in the insurance policies, placing the interests of policyholders at the core. We strictly abide by investment disciplines and manage the assets of each policy with the highest standards of integrity, diligence, and prudence. We are inclined to share a sizable portion of our investment returns with relevant policies.
We gain insights into social trends and customer needs through a first-principles approach. We design and optimize products in line with the market, leading the way in creating an array of innovative solutions and features. We continuously iterate and improve experiences to maximize the convenience for our customers, enabling them to be well-prepared for every life scenario.
We use cutting-edge technologies to transform the insurance industry. By streamlining internal operations, utilizing AI for investment research, and creating intuitive user interfaces, we revolutionize the insurance experience. Beyond these enhancements, we also strive to build a financial ecosystem that caters to people's needs for a better life.
We realize our investment values leveraging the resources of our major shareholder MassMutual and our partnership with world-class asset management firm Barings. We also draw on the local expertise and real-time support from a network of top investment institutions and financial experts across the world’s major economies to achieve superior global allocation and risk diversification for our policy assets.
YF Life adheres to a Customer First principle in everything we do. We fulfill the responsibilities specified in the insurance policies, placing the interests of policyholders at the core. We strictly abide by investment disciplines and manage the assets of each policy with the highest standards of integrity, diligence, and prudence. We are inclined to share a sizable portion of our investment returns with relevant policies.
We gain insights into social trends and customer needs through a first-principles approach. We design and optimize products in line with the market, leading the way in creating an array of innovative solutions and features. We continuously iterate and improve experiences to maximize the convenience for our customers, enabling them to be well-prepared for every life scenario.
We use cutting-edge technologies to transform the insurance industry. By streamlining internal operations, utilizing AI for investment research, and creating intuitive user interfaces, we revolutionize the insurance experience. Beyond these enhancements, we also strive to build a financial ecosystem that caters to people's needs for a better life.
