(OTC: ALIF), a leading provider of award winning 3G
mobile games and applications, today announced the immediate release of
Version 2. Volume I of the game was
released in late 2004.

About Artificial Life , Inc.

A.M. Best Affirms Rating of HSBC Life -International- Limited

, established in 1899, is the world's oldest and most
authoritative insurance rating and information source.

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Version 2.- ---A. Best Co. As a core subsidiary within the group, HSBC Life
distributes products through the extensive branch network of its
parent in Hong Kong.

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Now Version 2.0 of Volume I has been released.comhttp: //www.

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Artificial Life Launches Version 2.0 of its Flagship 3G Product 'V-girl(TM) - your virtual girlfriend'

com/ratings

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0 of its flagship product: V-girl(TM) -- your virtual girlfriend.
The rating reflects HSBC Life's sustainable profitability in the
Mandatory Provident Fund (MPF) business, dominant position in the Hong
Kong life insurance market, outstanding distribution capabilities and
diversified earnings source.

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0 has many new interactive and innovative features such as:
multiplayer contests, locked and secret scenes, interactive puzzles , real time
based calendar events and game functions, and several interactive role play
games within the game. With the many new interactive features introduced in
Version 2. Currently, HSBC Life has
approximately a third of the Hong Kong retirement savings market.com

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HONG KONG, Hong Kong based
Artificial Life, Inc.
HSBC Life, although recently transferred to HSBC Insurance (Asia )
Limited, is ultimately owned by HSBC Bank, the largest banking group
in Hong Kong. The embedded value of the
company's individual life portfolio also rose significantly in fiscal
year 2004, which is in line with its significant ordinary life premium
growth.
HSBC Life will continue to face challenges in the compulsory
retirement savings business.

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2 million) in
fiscal year 2003, its relative capitalization is weaker than its
peers.

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The rating also considers the importance
of HSBC Life to the HSBC Banking Group in the Hong Kong market and the
potential business growth in the life insurance market in China.6 million (USD 64.ambest.

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0 of V-girl(TM) is currently available in Mandarin, Taiwanese,
Cantonese and English language versions. All information set forth in this press release is
as of July 21, 2005, and Artificial Life, Inc. has
affirmed the financial strength rating of A+ (Superior) of HSBC Life
(International) Limited (HSBC Life) (Bermuda). Given the limited industry size, market
consolidation is inevitable with more insurers focusing on the
profitability of the MPF business, as well as achieving the economies
of scale in the company's cost structure .

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Schoeneburg
Email: es@artificial-life.

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business which are not historical facts are ''forward-looking statements"
that involve risks and uncertainties.
HSBC Life has maintained its leading position in the retirement
scheme business since the introduction of the MPF scheme by the Hong
Kong government in fiscal year 2001.

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As an example we have implemented what we
believe is the world's first interactive multiplayer plastic surgery on a
virtual person.v-girl. With the well -established bancassurance
distribution strategy, HSBC Life has achieved robust growth of
approximately 70% in individual life non-linked new business in fiscal
year 2004 (compared with 221% in 2003).

Reduction in costs and increasing economies of scale have delivered
MPF profit for 2004.
The Best's Capital Adequacy Ratio, which measures capitalization
on a risk-adjusted basis, indicates that HSBC Life is marginally
capitalized.

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It's a lot of fun to play,'' said Eberhard Schoeneburg , CEO of
Artificial Life, Inc.

Contact:

E.M. Best Co. For more
information , visit A.

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(OTC: ALIF) is a leading global provider of award winning 3G mobile games
and applications . Best's Web site at http://www.

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We have also increased
the humor aspect of the game.

''Safe Harbor'' Statement under the Private Securities Litigation Reform
Act of 1995:
Statements in this press release regarding Artificial Life, Inc.

Business Editors

OLDWICK, N.

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''We have introduced a new mobile entertainment paradigm and concept with
our V-girl product line .
Founded in Boston in 1994 and headquartered in Hong Kong, Artificial Life,
Inc.com
Tel: +852-3102-2800

J.
These positive factors are partially offset by the company 's weak
risk-adjusted capitalization and increased competition in the
retirement savings business . Although HSBC Life's total
capital and surplus increased to HKD 1,279 million (USD 164 million)
in fiscal year 2004 from HKD 500.

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The rapid expansion in ordinary life business has exerted
pressure on the company's capitalization.M.

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V-girl(TM) is offered in three game volumes. German, Italian , Korean and Japanese
versions are currently being prepared.

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The new game version also features six virtual female
characters for interaction with the players.
For Best's Ratings, an overview of the rating process and rating
methodologies, please visit http://www.

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V-girl is a unique product as it is an interactive
mobile movie, an evolving mobile sit-com and an innovative mobile dating role
play game all in one. For a discussion of such risks and
uncertainties, which could cause actual results to differ from those contained
in the forward-looking statements, see the "Risk Factors'' described in the
Company's Annual Report or Forms 10-K, 10-K(SB) or 10-Q(SB) for the recent
fiscal years and quarters. undertakes no duty to update
this information unless required by law. The rating outlook is
stable.

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Version 2. For further information please visit:
http://www.

A.M. Best Affirms Rating of HSBC Life -International- Limited

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Often they are quite abstract, but still 'city' is the theme.

'Manhattan' is a good example of this kind of games.

example abstract

Artificial Life Launches Version 2.0 of its Flagship 3G Product 'V-girl(TM) - your virtual girlfriend'

Games where you are building cities.

hong manhattan

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