bct+ vs CTF Life
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
bct+
Manage your MPF investments with an intelligent mobile experience. Explore various MPF investment strategies to plan for your ideal retirement, all within a single application.
- Intelligent MPF management
- Explore investment strategies
- Retirement planning tools
- Single application access
Read full descriptionHide full description
The newly upgraded bct+ mobile app brings an intelligent experience to MPF management! With just one app, you can easily explore more MPF investment strategies for your ideal retirement.
CTF Life
Manage your insurance policies conveniently from your mobile device. This app allows customers to make premium payments, adjust investments, access policy details, update personal information, and submit small claims.
- Policy management
- Premium payments
- Investment adjustments
- Policy information retrieval
- Personal information updates
- Small insurance claims
- Product information access
Read full descriptionHide full description
“CTF Life” mobile app enables CTF Life (former FTLife) customers to manage their policies anytime, anywhere, from premium payment, changing investment choices, retrieving insurance policy information, updating personal information to making small insurance claims and accessing latest product information and promotion.
Screenshots
Verdict
The clearest difference is rating: CTF Life at 3.0 against bct+'s 2.3. bct+'s advantage is review sentiment (33% vs 3%) and iOS requirement (11.0 vs 15.6). On price, ratings volume, update cadence and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
CTF Life holds the better App Store score, 3.0 against 2.3. Both are backed by a comparable volume of ratings — 3 and 2 respectively. Written reviews complicate that: 33% of bct+'s written reviews are positive against 3% of CTF Life's, so the app with the better star average is not the one people write more warmly about.
Both ship on a similar rhythm, roughly every 5 weeks. The most recent releases landed on October 13, 2026 and October 15, 2026 respectively.
| Parameter | bct+ | CTF Life |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (3 ratings) | 3.0 (2 ratings) — better |
| Positive reviews | 33.3% of reviews — better | 3.3% of reviews |
| Number of ratings | 3 — better | 2 |
| Update frequency | Every 5 weeks | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 11.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 101 MB | 67 MB |
| Age rating | 17+ | 4+ |
| Developer | Bank Consortium Trust Company Ltd. | Chow Tai Fook Life Insurance Company Limited |
Customer experience
bct+
CTF Life
In-app purchases
bct+
No in-app purchases
CTF Life
No in-app purchases
