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 amount: 47.96 million yuan)

Mr. A has a solid financial foundation and risk awareness. Since 2013, he has purchased 10 policies, including China Life Xin Yu Jin Sheng Whole Life Insurance and China Life 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 a death benefit of 47.96 million yuan.

Insight: China’s lung cancer mortality rate ranks first among cancers. The National Cancer Center’s “2022 China Malignant Tumor Burden Report” 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: Twenty-Four Years of Protection, Continuing Family Warmth

(Payout amount: 33.42 million yuan)

Mr. B has been purchasing policies since 2001, including China Life 99 Hongfu 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 to his family.

Insight: Insurance is an extension of love and responsibility. Preparing insurance 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 amount: 30.23 million yuan)

Ms. C has a strong risk awareness. Since her retirement in 2015, she purchased three products: China Life Xin Fu Annual Pension, China Life Xin Fu Annual Annuity, and China Life Xin Account Whole Life Insurance (Universal) (Diamond Edition). In November 2025, Ms. C suddenly experienced severe abdominal pain and, after rescue efforts failed, passed away. The final diagnosis was extensive pulmonary embolism. The company processed the 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” show that acute pulmonary embolism is the third leading cause of death after myocardial infarction and stroke. Facing unpredictable emergencies, insurance is not just a contract but a financial commitment that provides protection for families.

Case 4: Sudden Illness, Insurance Keeps Love Close

(Payout amount: 27.18 million yuan)

Mr. D has a strong risk awareness. Since 2022, he has purchased multiple policies, including China Life Xin Zun Bao Whole Life Insurance (Universal Type) (C version) and China Life Zhenxiang Chuanjia Whole Life Insurance. In March 2025, Mr. D passed away due to stomach cancer. After receiving the claim, the company promptly paid 27.18 million yuan in death benefits.

Insight: The “2025 Digestive Tract Tumor White Paper” predicts that new cases of stomach cancer in China will reach 489,000 in 2025 (accounting for 43% of new cases worldwide), with men being 2.3 times more likely to develop it 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, Twenty-Three Years of Care, One Heavy Promise (Payout: 26.11 million yuan)

Mr. E is a long-standing China Life customer with strong risk awareness. From 2003 to 2025, he purchased 47 policies, including Conning Whole Life Insurance and China Life Xin Xiang Future Whole Life Insurance, gradually building a comprehensive protection plan. In April 2025, during leukemia treatment, Mr. E unfortunately died due to secondary brain hemorrhage. His family submitted a claim, and the company promptly paid 26.11 million yuan in death benefits.

Insight: High coverage is not achieved overnight; it stems from clear risk awareness and long-term planning that adjusts over life stages. Mr. E’s 20+ years of insurance history shows that protection should evolve with family responsibilities, income growth, and market product updates. Through “incremental increases”—timely raising coverage—and “expanding coverage”—adding different product types to cover more risks—families can strengthen their financial defenses.

Case 6: Preparing in Advance, Building a Fortress, Insurance as a Crown of Care

(Payout amount: 21.31 million yuan)

Ms. F is a long-term China Life customer. Since 2013, she has purchased policies such as China Life Gold Account Annuity (Universal) (Luxury Edition) and China Life Fulu Xin Zun Whole Life Insurance (Dividend Type). In December 2025, after a seven-year battle with breast cancer, she sadly passed away. The company quickly paid 21.31 million yuan after receiving her family’s claim documents.

Insight: Data from the National Cancer Center shows that the 5-year survival rate for breast cancer in China has risen to 83.2%. With advances in precision medicine, survival rates are expected to exceed 90% by 2030. Scientific prevention and treatment are key, and proper insurance arrangements are a solid support against risks.

Case 7: A Comprehensive Barrier, Prepared for Sudden Risks

(Payout amount: 20.49 million yuan)

Ms. G is a business leader and a long-term China Life customer. Since 2002, she has purchased multiple policies, including Conning Whole Life Insurance, creating a comprehensive insurance barrier. In July 2025, Ms. G suffered sudden cardiac death. Her family submitted a claim, and the company promptly paid a total of 20.49 million yuan.

Insight: The “Epidemiology White Paper on Young and Middle-aged Sudden Cardiac Death in China” shows that 46.2% of young (18-45) sudden cardiac deaths are due to cardiac causes. Regular ECG screenings and CPR skills training can reduce risks. Proper insurance planning provides support and strength when risks occur.

Case 8: Long-term Stable Coverage, Scientific Risk Transfer

(Payout amount: 19.82 million yuan)

Mr. H has been a China Life customer since 2006, purchasing policies such as Millennium Wealth Management Whole Life Insurance and Conning Whole Life Insurance. In October 2024, he died from esophageal cancer. The company immediately processed his claim and paid 19.82 million yuan.

Insight: Data shows that the crude mortality rate for esophageal cancer is 15.17 per 100,000, ranking 4th among all malignant tumors, accounting for 10.2% of cancer deaths. Long-term insurance is a scientific way to transfer risk, providing timely and effective financial support during extreme events, ensuring family stability.

Case 9: Planning Ahead, Building a Guardian Armor for Loved Ones

(Payout amount: 19.09 million yuan)

Entrepreneur Mr. I has been continuously purchasing policies such as China Life Xin Fu Annual Pension and China Life Xin Yao Dongfang Annuity since 2015, creating a solid family protection plan. In November 2024, he suddenly died of a cardiac arrest at home. His family submitted a claim, and the company promptly paid 19.09 million yuan, fulfilling its promise of protection.

Insight: The “China Cardiovascular Health and Disease Report” shows that over 540,000 cases of sudden cardiac death occur annually in China (more than 50% of cardiovascular deaths), nearly 1,500 per day. This highlights the importance of early risk awareness. Mr. I’s proactive insurance planning provided a strong safety net for his family. Timely claims are the most gentle armor for loved ones.

Case 10: Unexpected Accidents, Promises Supporting a Clear Sky for Family

(Payout amount: 18.33 million yuan)

Mr. J started purchasing policies such as China Life Fulu Xin Zun Dividend Whole Life Insurance, China Life Xin Fu Chuanjia Whole Life Insurance, and China Life Xin Yao Hongyun Annuity since 2015. In June 2025, he tragically drowned. The company received his claim application and quickly paid 18.33 million yuan, fulfilling its insurance promise with concrete action.

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 can build a solid financial barrier in the face of unexpected events, protecting 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 foundation of resilience and a bridge to love and hope. China Life Insurance always adheres to the customer-centric service philosophy, fulfilling its promise through efficient claims services, strengthening safety for millions of families, and ensuring protection is always in place.