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CTF Life
MyWealth Beyond Savings Insurance Plan
USD Long-Term Savings & Dividend Insurance – "Wealth +" Series: Fully Upgraded Edition
A comprehensive upgrade of the "Wealth+" series, featuring a long-term USD savings and dividend plan centered on diversified asset allocation and steady capital appreciation.
- US Dollar Savings
- Flexible Withdrawal
- Three-Tier Asset Allocation
- Intergenerational succession
- Consistently high IRR
Latest Insurance Offers
Click to learn about the limited-time premium rebate and discount for this plan.
The above information is for reference only; actual premiums and offers depend on individual circumstances.
Key Figures
Core earnings data
Faster return on investment and stronger returns are the core upgrades of the Craftsmanship Leap over the previous generation.
Single Premium Expected Payback
Year 4
Expected payback period of 5 years
Year 10
Long-term expected IRR
Approximately 6.5%
Guarantee period
up to 128 years old
Key Product Features
- Long-term USD participating savings insurance: Guaranteed cash value + non-guaranteed reversionary bonuses + terminal bonus.
- The coverage period is extended until the insured reaches age 128.
- Three-tier asset allocation starting from Year 10: Growth, Balanced, and Conservative.
- Death benefit payable in installments or at specific milestones; supports change of insured and policy splitting.
- Allows for partial or full policy surrender, offering high liquidity.
- Premium payment term options: Single payment, 5-year payment, 12-year payment.
- Single premium: 116 / 5-year premium: 557 — Mainstream withdrawal strategies
- Premium holiday: up to 4 years for a 5-year payment term, and up to 8 years for a 12-year payment term; extendable upon diagnosis of a critical illness.
- Supports multi-currency conversion, including USD, HKD, and RMB.
Highlights
Six Key Highlights of the Policy
From the speed of capital recovery to intergenerational wealth transfer, it comprehensively addresses long-term wealth planning needs.
Rapid Return on Investment and Payment Flexibility
Break-even is expected in the 4th year for the single-premium option, and in the 10th year for the 5-year payment option. A range of payment terms—including single-premium, 5-year, and 12-year options—is available, offering greater capital efficiency.
Long-term Return and Dividend Mechanism
The projected long-term IRR reaches approximately 6.5%. Long-term wealth appreciation is achieved through a robust structure comprising "guaranteed cash value + non-guaranteed reversionary bonus + terminal bonus."
Flexible withdrawals and fund transfers
Supports mainstream withdrawal strategies—such as a single premium of 116 or a 5-year premium payment of 557—to generate lifelong cash flow. It also allows for partial or full policy surrender, offering exceptional liquidity.
Three-Tier Asset Allocation
Starting from the 10th year, you can freely switch between three asset allocation profiles—Growth, Balanced, and Conservative—allowing you to flexibly adapt to market changes across different stages of life.
Intergenerational Succession and Arrangements Upon Death
Supports unlimited changes of the insured and policy splitting. Death benefits can be paid out as a lump sum, in installments, or at specific milestones, ensuring your wealth is passed down across generations according to your wishes.
Multi-currency Conversion and Premium Holiday
Supports currency conversion across multiple currencies—including USD, HKD, and RMB—to hedge against exchange rate risks. It also features a premium holiday of up to eight years (extendable upon diagnosis of a critical illness) to alleviate sudden financial pressure.
Version Comparison
Craftsmanship: Soaring Beyond vs. Craftsmanship: Inheriting the Legacy 2
The new generation of products features comprehensive upgrades in payment flexibility, the speed of capital recovery, withdrawal freedom, and asset allocation.
| Comparison Item | Craftsmanship · Soar (New for 2026) | Craftsmanship Legacy 2 |
|---|---|---|
| Premium Payment Options | Single, 5-year, or 12-year payment | Primarily 5-year payment |
| Break-even Speed | Year 4 (Single payment) / Year 10 (5-year payment) | Relatively longer break-even period |
| Withdrawal Strategy | 116 (Single payment) / 557 (5-year payment) | Fewer options |
| Asset Allocation | Three-tier allocation starting from Year 10 | Feature not available |
| Long-term Returns | IRR of approx. 6.5% (20+ years) | Relatively lower long-term returns |
Who It's For
Suitable and Unsuitable Groups
Please determine whether this product is suitable for you based on your financial planning and risk appetite.
Highly suitable for
- Families seeking long-term US dollar asset allocation and steady appreciation.
- Requires lifelong cash flow planning (e.g., for retirement and children's education)
- Seeking intergenerational wealth transfer and wishing for flexibility in the arrangement of death benefits.
- Able to accept a medium- to long-term capital lock-up period of 5–10 years while also valuing capital flexibility.
Not recommended for insurance coverage
- Funds requiring short-term turnover; holding period of less than 5 years.
- Only 100% guaranteed returns are acceptable; fluctuations in dividends are not.
- Unable to bear the risk of RMB-USD exchange rate fluctuations.
- Requires highly liquid, on-demand funds.