“On Your Mind”
Insurance Plan
“On Your Mind” Insurance Plan (“On Your Mind”) makes a revolutionary breakthrough in traditional life insurance. In addition to the protection for your beloved family members, you can also choose to withdraw insurance protection amount as annuity in advance for your retirement needs with the first-in-marketa built-in Policy Reverse Mortgage Function. You can plan your ideal life flexibly!
Download Product Brochure
intro background

“On Your Mind” Insurance Plan

3 First-in-marketa Superiorities
Built-in Policy Reverse Mortgage Function helps you to plan a fruitful life
The built-in one-stop Policy Reverse Mortgage Function of “On Your Mind” allows you to withdraw the Death Benefit as annuity after designated period for a better planning of your retirement life. You only need to submit the designated application form to us, the procedure is simple and easy. You can learn more through “On Your Mind” Calculator.
intro card 2
Protect your beloved family members by planning for their future living expenses in case of misfortune
intro icon
A Plan to Meet
Your Needs Before & After
intro card 2
Thinking out of the box, you can withdraw insurance protection amount as annuity to arrange a fruitful retirement life for yourself and your partner
intro card 2
Severe Dementia Benefitb supports you through the time of adversity
If the Insured is diagnosed with Severe Dementiab unfortunately, a full amount of the Death Benefit will be paid in advance on a lump sum basis to the Owner. If it happens within the first 20 policy years, an additional amount of up to 50% of the sum insured will be paid in advance on a lump sum basis to the Owner as Extra Death Benefitc.
intro card 2
Flexible Death Benefit Settlement Option which tailors the most suitable arrangement for your family members
The Owner can flexibly choose either a lump sum payment or installment payments in advance, benefit will be paid in different ways to different Beneficiaries in the unfortunate event of the Insured’s death. The settlement arrangement can be tailored to each Beneficiary that best suits their future needs.

You can choose from these available Death Benefit Settlement Options:

A lump sum payment

Regular installment payment

Increasing installment payment

Lump sum + installment payment

For the above details and other product features, please refer to the product brochure of “On Your Mind”.
“Policy Reverse Mortgage”
What are the eligibility criteria?
How to receive annuity flexibly?
What are the differences between “Policy Reverse Mortgage Loan” and “policy loan” or “partial surrender”?
How to calculate the charges?
Any points to note?
Case Example*
case study 1

Age 35 / Teacher / Non-smoking
Married with a son (Age 3)

“On Your Mind”
Insurance Plan
(Smart Version)
“On Your Mind”
Insurance Plan
(Supreme Version)
case study 1

Age 45 / Accountant / Non-smoking
Single and supporting her parents (Age around 70)

“On Your Mind” Calculator
Please choose a plan

Input data


Issue age

Maximum issue age is 70

Smoking status

Premium payment period

Need to exercise Policy Reverse Mortgage Function to receive annuity?

Watch Video

TV Commercial

Product Video

Download Brochure

Product Brochure

Premium Refund Flyer
(Limited Offer)


a. “First-in-market” item is concluded based on the same type of product (life insurance plan with calculation of Death Benefit according to sum insured) of major life insurance companies in Hong Kong as of 10 September 2020.

b. Severe Dementia means the Insured is diagnosed by a doctor as suffering from an illness caused by Alzheimer's Disease or other Dementia, and has fulfilled the prescribed conditions. The Plan will be terminated once the Severe Dementia Benefit is paid.

c. “On Your Mind” will provide Extra Death Benefit equals to the designated percentage of the sum insured. The designated percentage of the sum insured is 50% in the first 11 policy years, and such percentage will be decreased by 5% at each subsequent policy year (i.e. from the 12th to the 21st policy year).

d. It is concluded based on the interest rate of policy loan and Policy Reverse Mortgage Loan of FTLife as of 10 September 2020. This rate is not guaranteed and will be determined by the Company from time to time.

e. The Company is currently referencing the prevailing Prime Rate published by the Hongkong and Shanghai Banking Corporation Limited and such designated bank may be changed from time to time by the Company without any notice to the Owner.

f. The aggregate amount of the Policy Reverse Mortgage Loan includes accumulated Annuity Payment received, Policy Reverse Mortgage Loan Interest, annual mortgage charges, loan charges and all interest receivable under these charges less repayment (if any).

g. This rate is determined according to various factors including but not limited to the ratio of total amount of Annuity Payment over total premiums paid (exclude extra premium loading (if any)), the Insured’s attained age when the first Annuity Payment is paid, annuity period etc). This is the current rate which is for reference only and is not guaranteed. Actual rate will be determined, fixed and guaranteed at the time the Policy Reverse Mortgage Loan is obtained. If the Insured dies or is diagnosed with Severe Dementia / Terminal Illness during the Annual Mortgage Charge Period, we will refund 50% of the aggregate amount of annual mortgage charges paid to the Owner.

h. The above product features are subject to the product terms and conditions, please refer to the product brochure and policy provision of “On Your Mind” for more details.

The above information is for reference only and shall not be constituted as an offer, invitation to sell and a recommendation of whatsoever kind to any person or groups as the basis for any insurance contracts (or investment or other decision). For terms and conditions of “On Your Mind, please refer to the policy provision for details, and obtain professional advice before making a decision.

The above summary, result of calculation and information is intended to be issued in Hong Kong only and shall not be construed as an offer to sell, or solicitation to buy or provision of any product of FTLife Insurance Company Limited outside Hong Kong to any person. FTLife Insurance Company Limited hereby declares that it has no intention to offer to sell, to solicit to buy or to provide any of its product in any jurisdiction other than Hong Kong in which such offer to sell or solicitation to buy or provision of any product of FTLife Insurance Company Limited is illegal under the laws of that jurisdiction. In case of any disputes, FTLife Insurance Company Limited reserves the rights to make the final and conclusive decision.

The above product information does not contain the full terms of “On Your Mind” and the full terms can be found in the policy document.
The above plan may be purchased as a standalone plan without bundling with other type(s) of insurance product.