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Policy Owner Life Artisan Intermediaries CIRCLE Member

CTF Life helps its customers and their loved ones to navigate through life with personalised planning solutions and experiences, creating value beyond insurance and achieving sustainable growth. By providing our customers with four life pillars – GROWealth, EDUtainment, PowerUp and FAMmunity – we are giving access to new lifestyle experiences and helping them craft a holistic plan that enables them to live life to the fullest.

Our Vision & Mission

Chow Tai Fook Life Insurance Company Limited (“CTF Life”) is proud of its rich, nearly 40-year legacy in Hong Kong. CTF Life is a wholly-owned subsidiary of NWS Holdings Limited and one of the most well-established life insurance companies in Hong Kong. As a member of Chow Tai Fook Enterprises Limited, CTF Life consistently strengthens its collaboration with the diverse conglomerate of the Cheng family (“Chow Tai Fook Group” or “the Group”) to support customers and their loved ones in navigating life’s journey with personalised planning solutions, lifelong protection and diverse lifestyle experiences. By leveraging the Group’s robust financial strength and strategic investments across the globe, CTF Life aspires to become a leading insurance company in the Greater Bay Area while continuously creating value beyond insurance.

Our Vision
We are dedicated to creating value beyond insurance to help our customers and families navigate through life journey with personalised planning solutions and diverse lifestyle experiences.

Our Mission
We bring meaningful value, lifelong protection and sustainable growth by strengthening CTF Life’s collaboration with the diverse conglomerate of the Group.

Our Identity

Curator

We are committed to looking to the future while keeping up with the times and responding to customers’ evolving needs for products and services. As Life Artisan, we curate personalised insurance and wealth management solutions towards modern ideals of wellness.

Human

We listen openly, and we care about and understand the needs of our customers. By responding quickly to those needs, we provide customers best-in-class insurance, wealth management and succession services at every step along the life journey.

Groundbreakers

Drawing on the collaboration with the diverse conglomerate of the Group, we bring innovations from outside the box. Through new applications of advanced technology, we push beyond business boundaries towards digitalised, personalised and streamlined processes.

Our Values and Beliefs

We have the foresight to go beyond insurance. As one team, we collaborate to achieve the ultimate business goals for what it can be.

Grow as One

We endeavour to build a community with equality and diversity to unleash the power of unity, leading us to a better future.

Respect

We take ownership of our Company Common Goals, building an environment and business that will always have creating shared value and sustainability in mind for the next generation.

Ownership

We continue to foster a consumer-centric culture reassuring the community that we serve with ethics and accountability.

Work Ethic

Top-notch Credit Ratings

CTF Life’s financial strength is well-recognised by renowned global rating agencies :

Fitch Ratings

A-

Moody's

Based on the financial strength ratings announced by Fitch Ratings in November 2023, and Moody’s in May 2024.

Strong Solvency Ratio

As at 30 June 2024, CTF Life solvency ratio was 337% (audited).

Solvency Ratio

337％

According to the Insurance Ordinance, the solvency ratio refers to the proportion of insurer’s total available capital to the minimum regulatory capital. The higher the solvency ratio, the stronger is the financial position of the insurance company. The lowest solvency ratio required by the regulator is 150%.

Hong Kong Risk-based Capital (HKRBC) solvency ratio is approximately 289%, well above the 100% Prescribed Capital Requirement under HKRBC regime.