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 the highest 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 Insurance (Universal Type) (A version). 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 the 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 materialize.

Case 2: 24 Years of Protection, Building a Warm Family Continuity (Payout: 33.42 million yuan)

Mr. B started insuring in 2001, purchasing 11 policies including 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 insurance 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 storms, giving us the courage to face adversity with confidence.

Case 3: A Decade of Foresight, Supporting Family Stability with Planning (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 Insurance, Guoshou Xin Fu Annual Annuity Insurance, and Guoshou Xin Account Whole Life Insurance (Universal) (Diamond Edition). In November 2025, Ms. C suddenly experienced severe abdominal pain and, after unsuccessful rescue, passed away. She was diagnosed with extensive 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 strong risk awareness. Since 2022, he insured himself with Guoshou Xin Zun Bao Whole Life Insurance (Universal Type) (C version) 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 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 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 Kangning 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 submitted a claim, and the company paid 26.11 million yuan in death benefits.

Insight: High coverage is not 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 (“expanding”)—are essential to strengthening family financial defenses.

Case 6: Preparing for the Worst, Building a Fortress of Care (Payout: 21.31 million yuan)

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

Insight: According to the National Cancer Center, the five-year survival rate for breast cancer in China has risen to 83.2%, and is expected to surpass 90% by 2030 with advances in precision medicine. Scientific prevention and treatment are key, and proper insurance arrangements are a solid safeguard.

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 been insured since 2002 with policies including Kangning Whole Life Insurance. In July 2025, she suffered sudden cardiac death. Her family submitted a claim, and the company promptly paid 20.49 million yuan.

Insight: The 2025 White Paper on Epidemiology of Sudden Cardiac Death in Young Adults (18-45) shows 46.2% of such deaths are due to cardiac causes. Regular ECG screening, CPR skills training, and diversified insurance coverage can reduce risks and support families during emergencies.

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

Mr. H, a China Life client, purchased policies including Millennium Financial Whole Life Insurance (Dividend Type) and Kangning Whole Life Insurance between 2006-2015. In October 2024, he died of esophageal cancer. The company processed his claim promptly 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 when needed.

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

Entrepreneur Mr. I has been steadily insuring since 2015, including policies like Guoshou Xin Fu Annual Pension and Guoshou Xin Yao Dongfang Annuity. In November 2024, he suddenly died of a heart attack at home. His family submitted a claim, and the company paid 19.09 million yuan promptly, fulfilling its promise.

Insight: The China Cardiovascular Disease Report shows over 540,000 annual deaths from cardiac causes, over 50% of cardiovascular deaths, with nearly 1,500 daily. This highlights the importance of early risk management. Mr. I’s proactive insurance planning created a strong safety net for his family, and timely claims are the most gentle armor for loved ones.

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

Mr. J, a long-time China Life policyholder since 2015, insured with policies including Guoshou Fulu Xin Zun Whole Life Insurance (Dividend), Guoshou Xin Yao Chuanjia Whole Life Insurance, and Guoshou Xin Yao Hongyun Annuity. In June 2025, he tragically drowned. The company processed his claim quickly and paid 18.33 million yuan, fulfilling its promise.

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

Life is uncertain; 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 always 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.