China Life announces the top 10 claim cases for 2025, with a maximum payout of 47.96 million yuan.

Recently, China Life Insurance Company Limited (hereinafter referred to as “China Life,” stock code: 601628.SH, 2628.HK) announced its top ten claim cases of 2025. Over the past year, the company responded quickly and processed customer claims, handling over 60 million claims and paying out more than 100 billion yuan in total. Among these, the top ten claims had a maximum payout of 47.96 million yuan, with an average payout exceeding 26 million yuan. These cases covered major risks such as malignant tumors, cardiovascular and cerebrovascular diseases, respiratory diseases, and accidents, demonstrating the vital role of insurance in improving the social security system through real-life examples.

Case 1: Disease Takes Life, Insurance Builds the Final Shield (Payout: 47.96 million yuan)

Mr. A had a solid financial foundation and risk awareness. Since 2013, he purchased 10 policies including China Life Xin Yu Jin Sheng Whole Life Insurance and China Life Xin Zun Bao Whole Life Universal Life Insurance (A plan). In July 2024, Mr. A unfortunately passed away due to metastatic lung adenocarcinoma. After receiving the claim application from his family, the company promptly fulfilled its promise and paid a death benefit of 47.96 million yuan.

Insight: Lung cancer has the highest mortality rate among cancers in China. The 2022 China Malignant Tumor Burden Report by the National Cancer Center shows that lung cancer accounts for 26.1% of cancer deaths, meaning over 1 in 4 cancer deaths is due to lung cancer. Mr. A’s high payout reflects his long-term insurance investments providing financial security for his family when risks materialized.

Case 2: Twenty-Four Years of Protection, Continuing Family Warmth (Payout: 33.42 million yuan)

Mr. B started purchasing policies in 2001, including China Life 99 Hong Fu Whole Life Insurance and China Life Xin Yu Jin Sheng Whole Life Insurance, totaling 11 policies. In June 2025, Mr. B sadly passed away due to illness. In July 2025, his family submitted a claim, and the company quickly paid a total of 33.42 million yuan in benefits.

Insight: Insurance is an extension of love and responsibility. Preparing a policy for loved ones and oneself is like building a sturdy shelter against future storms, giving us the courage to face adversity with confidence.

Case 3: A Decade of Foresight, Planning for Family Stability (Payout: 30.23 million yuan)

Ms. C demonstrated high risk awareness. Since her retirement in 2015, she purchased three policies including China Life Xin Fu Annual Pension, China Life Xin Fu Annual Annuity, and China Life Xin Account Whole Life Insurance (Diamond Edition). In November 2025, Ms. C suddenly experienced severe abdominal pain and, despite rescue efforts, died from massive pulmonary embolism. The company processed her claim promptly and paid her family 30.23 million yuan in death benefits.

Insight: The 2025 Guidelines for Diagnosis and Treatment of Acute Pulmonary Embolism indicate it is the third leading cause of death after myocardial infarction and stroke. Facing unpredictable emergencies, insurance is more than a contract; it’s a financial commitment that provides protection for loved ones.

Case 4: Sudden Illness, Love Continues with Insurance (Payout: 27.18 million yuan)

Mr. D had a strong risk awareness. Since 2022, he purchased policies including China Life Xin Zun Bao Whole Life Universal Life Insurance (C plan) and China Life Zhen Xiang Chuan Jia Whole Life Insurance. In March 2025, he died of stomach cancer. After receiving his claim, the company promptly paid 27.18 million yuan.

Insight: The 2025 Digestive Tract Tumor White Paper projects 488,900 new stomach cancer cases in China in 2025 (43% of global new cases), with men being 2.3 times more affected than women. Regular health checks and cancer screenings can detect issues early, and appropriate insurance arrangements provide essential protection.

Case 5: Forty-Seven Policies, Twenty-Three Years of Guardianship, a Heavy Promise (Payout: 26.11 million yuan)

Mr. E, a long-time China Life customer, has a strong risk awareness. From 2003 to 2025, he purchased 47 policies including Conning Whole Life Insurance and China Life Xin Enjoy Future Whole Life Insurance, gradually building a comprehensive protection plan. In April 2025, during leukemia treatment, he suffered a secondary brain hemorrhage and passed away. His family’s claim was promptly settled with a benefit of 26.11 million yuan.

Insight: High coverage isn’t achieved overnight; it stems from clear risk understanding and long-term planning that adjusts over life stages. Continuous review and enhancement—such as increasing coverage (“incremental”) and diversifying products (“broadening”)—are key to strengthening family financial defenses.

Case 6: Preparing for the Worst, Insurance as a Crown of Care (Payout: 21.31 million yuan)

Ms. F, a long-time China Life client, started purchasing policies in 2013, including China Life Gold Account Annuity (Universal, Deluxe Edition) and China Life Fu Lu Xin Zun Whole Life (Dividend). In December 2025, after a seven-year battle with breast cancer, she sadly passed away. The company quickly paid her family 21.31 million yuan.

Insight: Data shows the five-year survival rate for breast cancer in China has risen to 83.2%, and with advances in precision medicine, it’s expected to exceed 90% by 2030. Scientific prevention and treatment are crucial, and proper insurance arrangements are a strong support against health risks.

Case 7: Comprehensive Coverage, Prepared for Sudden Risks (Payout: 20.49 million yuan)

Ms. G, a business leader and long-time China Life customer since 2002, has multiple policies including Conning Whole Life Insurance, creating a comprehensive insurance barrier. In July 2025, she died suddenly from cardiac arrest. Her family’s claim was processed swiftly, with a payout of 20.49 million yuan.

Insight: The 2025 White Paper on Epidemiology of Sudden Cardiac Death in Young Adults (18-45) shows 46.2% of cases. Regular ECG screening and CPR training can reduce risks. Proper policy allocation provides vital support when emergencies occur.

Case 8: Long-term Stable Coverage, Scientific Risk Transfer (Payout: 19.82 million yuan)

Mr. H, a China Life client, purchased policies from 2006 to 2015, including Millennium Wealth Management Whole Life and Conning Whole Life. In October 2024, he died of esophageal cancer. The company promptly processed his claim and paid 19.82 million yuan.

Insight: Esophageal cancer has a crude mortality rate of 15.17 per 100,000, ranking fourth among all cancers, accounting for 10.2% of cancer deaths. Long-term insurance is a scientific way to transfer risk, providing timely financial support during extreme events to ensure family stability.

Case 9: Proactive Planning, Building a Guardian Armor for Loved Ones (Payout: 19.09 million yuan)

Entrepreneur Mr. I began purchasing policies in 2015, including China Life Xin Fu Annual Pension and Xin Yao Dong Fang Annuity, to plan for his family’s future. In November 2024, he suddenly died of a heart attack at home. His family’s claim was settled quickly with 19.09 million yuan, fulfilling the promise of protection.

Insight: The China Cardiovascular Disease Report indicates over 540,000 annual deaths from cardiovascular-related sudden death, over 50% of cardiovascular deaths. Regular screening and risk management are essential. His foresight and insurance planning created a strong safety net for his family.

Case 10: Unexpected Accidents, Promises Supporting Family in the Sky (Payout: 18.33 million yuan)

Mr. J, a long-time China Life policyholder since 2015, held multiple policies including dividend and whole life insurance. In June 2025, he tragically drowned. The company processed his claim promptly, paying 18.33 million yuan, fulfilling its commitment.

Insight: Life is unpredictable, and accidents can happen suddenly. High-value policies are more than contracts—they are serious commitments and proactive plans that, when accidents occur, provide a solid financial barrier to protect family stability and dignity.

Life is unpredictable; protection is always present. From critical illnesses to accidents, from middle age to silver years, these cases reaffirm that insurance is not just a contract but a source of resilience, love, and hope. China Life adheres to the customer-centric service philosophy, fulfilling its promise through efficient claims, strengthening safety for millions of families, and ensuring protection is always on hand.

This content is provided by the company for reference only.

(Edited by: Qian Xiaorui)

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