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 the 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 Guoshou Xin Yu Jin Sheng Whole Life Insurance and Guoshou 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: 24 Years of Protection, Building a Family’s Warmth (Payout: 33.42 million yuan)

Mr. B started purchasing insurance in 2001, including 11 policies such as Guoshou 99 Hongfu Whole Life Insurance and Guoshou Xin Yu Jin Sheng Whole Life Insurance. 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 calmly.

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 Guoshou Xin Fu Annual Pension, Guoshou Xin Fu Annual Annuity, and Guoshou 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 that acute pulmonary embolism 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 promise that offers protection to families.

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

Mr. D had strong risk awareness. Since 2022, he purchased policies including Guoshou Xin Zun Bao Whole Life Universal Life Insurance (C plan) and Guoshou Zhenxiang Chuanjia Whole Life Insurance. In March 2025, Mr. D 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 489,000 new stomach cancer cases in China, accounting for 43% of global new cases, with male incidence 2.3 times higher than females. Regular health check-ups and cancer screenings can detect issues early, and appropriate insurance arrangements provide essential protection.

Case 5: Forty-Seven Policies, 23 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 Guoshou Xin Xiang Future Whole Life Insurance, gradually building a comprehensive protection plan. In April 2025, during leukemia treatment, he unfortunately died from secondary brain hemorrhage. His family’s claim was promptly settled with a benefit of 26.11 million yuan.

Insight: High coverage is not achieved overnight; it results from clear risk understanding and long-term planning that adjusts over life stages. Continuous review and enhancement—such as increasing coverage (“increment”) and diversifying products (“expansion”)—are key to strengthening family financial defenses.

Case 6: Proactive Planning, Building a Fortress of Care (Payout: 21.31 million yuan)

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

Insight: According to the National Cancer Center, the five-year survival rate for breast cancer in China has risen to 83.2%, and with advances in precision medicine, it is expected to surpass 90% by 2030. Scientific prevention and treatment are crucial, and proper insurance arrangements are a strong support against 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, has purchased multiple policies since 2002, including Conning Whole Life Insurance, creating a comprehensive insurance shield. In July 2025, she died suddenly from cardiac death. Her family’s claim was processed swiftly, with a payout of 20.49 million yuan.

Insight: The 2025 “Epidemiology of Sudden Cardiac Death in Young Adults” reports that 46.2% of sudden deaths occur in ages 18-45. Regular ECG screening and CPR training can reduce risks; diversified insurance coverage provides support when emergencies happen.

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

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

Insight: The crude mortality rate for esophageal cancer is 15.17 per 100,000, ranking 4th 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: Early Planning, Protecting Loved Ones (Payout: 19.09 million yuan)

Entrepreneur Mr. I began purchasing policies in 2015, including Guoshou Xin Fu Annual Pension and Guoshou Xin Yao Dongfang Annuity, to build a solid family safety net. In November 2024, he suddenly died of cardiac arrest at home. His family’s claim was quickly settled with 19.09 million yuan, fulfilling the promise of protection.

Insight: The China Cardiovascular Disease Report states that over 544,000 cases of sudden cardiac death occur annually, accounting for more than 50% of cardiovascular deaths, nearly 1,500 per day. Early risk management and insurance planning help build a resilient safety net for families. Timely claims are the most gentle armor for loved ones.

Case 10: Unpredictable Accidents, Promises Support (Payout: 18.33 million yuan)

Mr. J, a long-time China Life policyholder since 2015, had purchased multiple policies including Guoshou Fulu Xin Zun Dividend Whole Life Insurance, Guoshou Xin Yao Chuanjia Whole Life Insurance, and Guoshou Xin Yao Hongyun Annuity. In June 2025, he tragically drowned. The company processed his claim promptly, paying 18.33 million yuan, fulfilling its promise of protection.

Insight: Life is unpredictable, and accidents can happen suddenly. High-value policies are more than contracts—they are serious commitments and proactive planning for family finances. They provide a solid financial barrier in emergencies, safeguarding family stability and dignity.

Life is unpredictable; protection is constant. From critical illness to accidents, from middle age to old age, these cases reaffirm that insurance is not just a contract but a source of resilience, love, and hope. China Life always adheres to the customer-centric service philosophy, fulfilling its promise through efficient claims, strengthening family safety nets, and ensuring protection is always present.

This article is provided by the company for reference only.

(Edited by: Qian Xiaorui)

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