服務易 eService
Our Corporate Culture
What We Value
"CTF Life is truly a unique insurance company. It encourages colleagues to actively engage in both large and small internal projects and offers opportunities to collaborate with various units in the diverse conglomerate. This adds color to my daily work and allows me to accumulate invaluable experience and professional knowledge."
Calvin Chan
Sales Manager,
Partnership
Distribution
"The cohesion of the
company is very
strong. The
management cares
about the physical
and mental wellness
of employees, and
promotes many
thoughtful
family-friendly
measures. The company integrates the advantages of the Group’s diverse conglomerate collaboration, so that
every colleague can
give full play to
"Create Value Beyond Insurance" spirit.
I'm not just looking
for a position at
CTF Life, I'm
looking for a
career! "
Melody Leung
Associate Director, Agency Marketing & Communications, Agency Development
Current Job Opportunities
The personal data provided by candidates will be kept strictly confidential and used for recruitment purposes only. Selected candidates will receive notice from the Company, and all personal data of unsuccessful candidates will be destroyed within 2 years after completion of the recruitment exercise.
Looking for an Internship Opportunity?
The CTF Life Internship Programme offers University students opportunities to gain invaluable hands-on exposure in the financial services industry.
About our Internship Programme
We welcome highly motivated university students in
their penultimate and antepenultimate year to join
our programme. Our programme provides the
opportunity to explore how your skills can be
adapted to working in a professional financial
institution.
In this 3-or 6-month Internship program, interns will have the
opportunity to deep dive into the work-life at CTF Life as they uplift their skills and
knowledge through meaningful and practical on-the-job assignments.
Find Fields of Your Interest
Take the opportunty to work in a field that interests you the most, and make specifications as you send us your application.
Industrial Privilege and Development
Small Steps, Big Impact
You will help clients achieve life goals and tailor financial solutions right for them. It will be your mission to cater to their needs throughout different stages of life. Your professionalism will gain you trust from them.
It's a Growing Industry
In this line of work, you are always expanding your social circle and horizon as you make new acquaintances going through different life stages. You can build your social network and plan for your long-term career.
Sharpen Your Cross-domain Skillsets
You can establish your very own business with zero capital. CTF Life provides you with on-the-job training and opportunities to sharpen your skillsets in different areas. You will also obtain professional qualifications as you go along.
Be Your Own Boss in Life
You will make your own promotion decisions. We have a fair and open promotion ladder – you can flexibly craft your career blueprint based on your life goals. Our flexible working hours also means you can proactively find your balance amongst family, personal development, interpersonal relationships, health, spirituality, and contributing to society.
What's the Next Big Trend and Key Areas of Focus?
Opportunities always look for individuals ready to seize them. In the coming decades, the key areas of focus lay on education, retirement, and one-stop financial planning. Learn more to get a head start on your career.
Education Fund Planning
With more jobs these days requiring certificates and qualifications, it’s not hard to imagine that parents will try as much to support the best education for their children, even when tuition fees are going up every year worldwide. The importance of education fund planning becomes apparent to parents.
Retirement Planning
It is estimated that by 2069, one in every three persons in Hong Kong will be over age 65. As society and the economy shift, relying on offspring to help fund retirement is no longer a viable plan as it once used to be. With old age allowance and benefits not quite there to cover up all living expenses after retirement, ensuring that one can support their retirement lifestyle becomes crucial. A comprehensive retirement planning solution is growing in demand in the market.
One-stop Life Planning
We all long for a comfortable life and even a better lifestyle. But to some extent, it is related to the financial well-being of the person. Life Planning was never formally introduced at school. There is a huge market for financial planning advice.
Competition for local university places
is fierce; while studying abroad can be
an alternative, the tuition fees and
living expenses can stack up high. Take
a look at the annual costs of studying
abroad in some popular destinations, and
you will see why planning for an
education fund early on is necessary.
Average Cost (HK$/year) on
Tuition Fee and
Living Expenses Studying Abroad
| Country | Average Cost (HK$/year) |
| Australia | $283k - 449k |
| New Zealand | $240k - 427k |
| The United State | $364k - 520k |
| Canada | $263k - 504k |
| The United Kingdom | $467k - 493k |
Source: HK01 (2022). Overseas study 2022 | An article to find out the tuition/tour fees of the top 10 popular places. Isn’t Taiwan the cheapest?
The population aging rate will
significantly accelerate in the next 20
years, and the percentage of population
aged 65 and over will gradually increase
from 20.8% in 2023 to 35% in 2069.
Facing
the inflationary pressure and the
current low interest rates, the demand
for comprehensive retirement planning
solutions in the market is increasing
correspondingly.
Percentage of population projection
(Aged 65 and over)
| Year | Percentage |
| 2023 | 20.8% |
| 2069 | 35% |
Source: Census and Statistics Department (2020)
Going through different stages in life
also means different financial needs.
From saving, education, medical to
retirement arrangements – how do you
achieve your goals effectively? One-stop
Financial Planning has continued to
expand in the market. The number of
policies underwritten is increasing year
on year.
China is the second
largest insurance market in the world,
with total premiums exceeding USD 0.7
trillion, accounting for 10.1% of global
premiums. Throughout the top 10
insurance markets around the world,
China has an unusually low insurance
penetration and density*. In other
words, opportunities and potentials are
ample in the Chinese insurance
market.
Top 10 Insurance Markets ranking by
total premium volume, 2021
| Rank | Region | Total premium volumes (%) | 2021 Global market share |
| 1 | The United States | +8.1% | 39.6% |
| 2 | China | +6.1% | 10.1% |
| 3 | Japan | -2.6% | 5.9% |
| 4 | The United Kingdom | +16.7% | 5.8% |
| 5 | France | +24% | 4.3% |
| 6 | Germany | +5.9% | 4% |
| 7 | South Korea | +1.5% | 2.8% |
| 8 | Italy | +11.5% | 2.8% |
| 9 | Canada | +15.8% | 2.4% |
| 10 | India | +13.5% | 1.9% |
Source: Swiss Re Institute (2022)
*According to the sigma No 4/2022 report
(Swiss Re Institute, 2022), insurance
penetration (i.e. premiums as a % of
GDP) and density (i.e. premiums per
capita) of the PR China market are 4.2%
and US$482/person respectively, while
the corresponding world’s averages are
7% and US$874, both figures are below the
world's average.
Financial Talent Development Center provides Life Artisans with a 360-degree one-stop platform integrating talent acquisition, training and development, so that every Life Artisan can play their strengths and achieve their visions via CTF Life’s collaboration with the diverse conglomerate of the Group.
To recognise the outstanding achievement of our Life Artisans, CTF Life doesn’t just provide them with handsome returns, but also honours and awards to mark their achievements. They are also invited to overseas meetings and conventions to share with others their keys to success.
At CTF Life, you should craft your career blueprint based on your personal goals. Whether you see your passion for management or sales, we will provide you with a clear career path for you as a management expert or marketing professional. You can choose to develop along the career ladders for individual sales or team building. Pledge your full commitment to enjoy an ideal income and return with no limits.
Career Advancement
Determined to leave a mark in the industry? We offer you opportunities to let you define your ideal career path.
Financial Talent Development Center
Striving to provide an excellent financial talent platform, we are offering a 360-degree one-stop training for specific training.
Overseas Opportunities and Conferences
CTF Life organises overseas conventions to recognize the outstanding achievement of our Life Artisans.
A Clear Career Path
Whether you would like to grow towards the direction of management or sales, we will help you put your potentials into full play.
Ready to get on board?
Make an impact to the insurance industry by joining our team.
Create Value Beyond Insurance
We value our Life Artisan as an irreplaceable resource to the Company, and this in line with our long-term corporate strategy.
We would like to congratulate all awardees of Annual Awards Presentation, and express our heartiest gratitude to all Life Artisans for the generous input of sustainable development. Looking forward to the continuous success from all Life Artisans!
About the Graduate Trainee Programme
If you are eager to grow, innovate and go the extra mile in the insurance industry, our Graduate Trainee Programme could be just for you.
About the Graduate Trainee Programme
"The CTF Life Graduate Trainee Programme is a 12/18-month programme aiming at providing young talent insurance training and on-the-job exposure towards a fast-track career in the industry.
Through the programme, we aspire to nurture the next generation innovators to drive changes and promising directions to the industry. We cultivate a pipeline of talent to support business growth and organisational transformation to get fully prepared for the ever-changing market."
Are you who we are looking for?
We invite fresh graduates with a bachelor’s degree or master's degree in business or related discipline from an accredited University to apply for the prgoramme. Graduates with 1-2 years of working experience (preferably in the insurance industry) are also welcome! We included below some of the qualities we are looking for in our applicants:
Own a strong innovative mindset with high learning agility and flexibility. Capable of facing chellenges and adapting to a fast-paced environment.
Show astute judgement, analytical thinking and problem solving skill. Demonstrate resilience in the face of drastic changes.
Equipped with strong communication, presentation and interpersonal skills. Demonstrate ability in working effectively individually and with teams across functions.
Proficient in written and spoken English and Chinese. The ability to speak Putonghua is a bonus.
As a trainee, you will gain practical experience via job rotations and on-the-job training in different functional areas.
The career development roadmap
Gain practical experience
- Rotate to different functional areas and gain exposure in projects and job assignment
- Receive on-the-job training
Take advantage of job rotation to expand and enrich your network.
Develop professionalism
- Attain professional qualifications through accredited examinations
Accelerate development
- Develop competencies from structured training
Through formal training and professional examination, trainees can nurture your sense of professionalism.
Enrich exposure
- Mentoring and coaching from management
- Build networks with other trainees and across functions
Explore career path
- Explore personal potential and career aspiration through the programme
Through mentoring and coaching, trainees can focus more on uncovering their personal potential and planning for the future of their career.
Embark on a career
- Trainees with outstanding performance will be offered a promising career at CTF Life
- We assign appropriate roles to trainees based on their characters and our business needs.