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CTF Life
On Your Mind Insurance Plan
Participating Whole Life Insurance · Low Premium + Built-in Policy Reverse Mortgage + Retirement Annuitisation
「按您想」（精明版）是香港周大福人壽（原富通）推出的分紅終身壽險，主打低保費、終身保障、內置保單逆按及退休年金化。與匠心・飛越、宏利優越終身保、永明永延同屬「終身壽 + 儲蓄」類，但更偏向純保障 + 退休現金流，保費更便宜，特別適合預算有限但需要強保障與穩定年金的人士。
- 分紅終身壽險
- 低保費
- 內置保單逆按
- 退休年金化
- 首20年高保障
Latest Insurance Promotions
Find out the limited-time premium rebate & discount of this plan
Information shown is for reference. Actual premiums and promotions depend on individual status.
Key Figures
Low premium entry, strong protection and steady long-term growth, balancing retirement annuity and family obligations.
Insured Age
15 days to age 75
Policy Term
up to age 128
Long-term Projected IRR
approx. 5% – 5.3%
Currency
USD / HKD
產品功能亮點
- 分紅終身壽險：保證現金價值 + 非保證復歸紅利 + 終期紅利
- 保障期：終身，至 128 歲
- 繳費期：5 / 10 / 15 / 20 / 25 年（無躉繳）
- 首 20 年額外身故 50% 保額
- 嚴重腦退化 / 末期疾病：預支 100% 保額 + 額外 50%
- 免費環球緊急支援：全球醫療撤離 / 遣返，最高 100 萬美元
- 貨幣：美元 / 港幣
- 投保年齡：15 天 – 70 歲（視繳費期）
- 保證身故賠償：生效至 65 歲 100% 保額；65 歲後每年遞減 2%，至 80 歲穩定 70%
- 81 歲前意外身故再加 50% 保額
- 保費豁免：身故 / 全殘 / 重疾免後續保費（最高 10 萬美元）
- 內置保單逆按：退休時可把身故保障直接套現為終身年金
Highlights
Product Benefits
From low premiums to a built-in reverse mortgage feature, balancing protection, annuity benefits, and long-term stability.
Low Premium Entry & Flexible Premium Payment
The Smart Version comes with premiums around 20%-30% cheaper than the Supreme Version for affordable whole life protection. Choose from 5, 10, 15, 20 or 25-year payment terms to suit your budget.
Built-in “Policy Reverse Mortgage” (Market Pioneer)
Upon retirement (e.g., at age 65), you may convert the death benefit directly into a lifetime annuity without going through a bank. You may also pause or resume withdrawals anytime without affecting the policy’s original value.
Consistent Dividend Realisation
Projected long-term IRR approx. 4.5%–5%, built on Guaranteed Cash Value, Reversionary and Terminal Bonuses. Chubb Life achieved 100% dividend fulfilment for 10 straight years, with proven stable returns.
Guaranteed Reducing Death Benefit
Guaranteed 100% sum insured before 65. From age 65, cover decreases by 2% per year and settles at 70% sum insured at age 80. It balances early-life family responsibilities and long-term later-life protection.
Comprehensive Protection & Premium Waiver
Enjoy an extra 50% death benefit in the first 20 years, with a further 50% for accidental death before age 81. Advance up to 150% sum insured for severe dementia or terminal illness. Premium waiver applies for critical illness and total permanent disability.
Flexible Policy Versions & Global Support
The Supreme Version provides lifelong 100% guaranteed death benefit, while the Smart Version offers robust early protection at a lower cost. The plan comes with free worldwide medical evacuation & emergency assistance up to USD 1,000,000.
Product Comparison
按您想（精明版）VS 按您想（卓越版）VS 匠心・飛越
三者同屬香港長期儲蓄 / 保障型保單，但定位各有側重。
| 比較項目 | 按您想（精明版） | 按您想（卓越版） | 匠心・飛越 |
|---|---|---|---|
| 主打 | 低保費 + 退休年金 | 終身 100% 保證保障 | 高增長 + 現金流提領 |
| 保證身故 | 65 歲後降至 70% | 終身 100% | 較弱（側重儲蓄） |
| 保費 | 最便宜 | 較貴 | 中等 |
| 長期預期 IRR | 約 4.5% – 5% | 約 4.5% – 5% | 約 6.2% – 6.5% |
| 回本時間 | 5 年繳 ≈ 12–15 年 | 5 年繳 ≈ 12–15 年 | 5 年繳 ≈ 10 年 |
| 核心優勢 | 逆按強、保障全、平 | 終身保證保障 | 收益高、提領靈活 |
Who It's For
Suitable and Unsuitable Client Profiles
Please assess whether this product is suitable for your financial planning and risk appetite.
Highly Suitable Clients
- Limited budget, looking for cost-effective whole life cover.
- Planning for retirement in Hong Kong and seeking a steady lifetime annuity cash flow.
- Prioritise high protection during your family responsibility period (the first 20 years).
- Already holding high-return savings insurance and wishing to supplement pure protection plus retirement cash flow.
- Prefer products with stable dividend realisation ratio.
Not Recommended Clients
- Need short-term liquidity; holding period less than 10 years.
- Only accept 100% guaranteed returns and cannot tolerate dividend fluctuations.
- Seek maximum returns and are willing to bear higher volatility.
- Need 100% guaranteed cover for later life (Supreme Version recommended).
- Cannot withstand RMB/USD exchange rate volatility.