China Life Insurance Releases Top 10 Claim Cases for 2025, Average Compensation Exceeds 26 Million Yuan Per Case

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 more than 60 million claims, with a total payout exceeding 100 billion yuan. Among these, the top ten claims had the highest payout of 47.96 million yuan, with an average payout of over 26 million yuan. These cases cover various major risk scenarios, 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

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: Mr. A’s high payout reflects his long-term insurance investments, providing a safety net for his family when risks materialize.

Case 2: Twenty-Four Years of Protection, Building a Warm Home

Mr. B started purchasing policies in 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 in insurance benefits.

Insight: Insurance is an extension of love and responsibility. Preparing coverage 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

Ms. C has a high risk awareness. Since her retirement in 2015, she purchased three policies: China Life Xin Fu Annual Pension Annuity, China Life Xin Fu Annual Annuity, and China Life Xin Account Whole Life Insurance (Universal Type) (Diamond Edition). In November 2025, Ms. C suddenly suffered severe abdominal pain and, despite rescue efforts, passed away. The final diagnosis was extensive pulmonary embolism. After receiving her claim, the company promptly paid her family a death benefit of 30.23 million yuan.

Insight: Facing unpredictable emergencies, insurance is more than a contract; it is a financial commitment that provides protection for loved ones.

Case 4: Sudden Illness, Love Continues to Accompany

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 Zhen Xiang Chuan Jia Whole Life Insurance. In March 2025, Mr. D died of stomach cancer. Upon receiving his claim, the company promptly paid 27.18 million yuan in benefits.

Insight: Regular health check-ups and cancer screenings can detect health issues early. Reasonable insurance planning offers protection for oneself and family.

Case 5: Forty-Seven Policies, Twenty-Three Years of Protection, A Heavy Commitment

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, he unfortunately died due to secondary brain hemorrhage. His family submitted a claim, and the company promptly paid 26.11 million yuan in benefits.

Insight: High coverage is not achieved overnight; it stems from clear risk awareness and long-term planning that adjusts over life stages. Increasing coverage (“incremental”) and diversifying products (“expanding”) help strengthen family financial defenses.

Case 6: Planning Ahead to Build a Fortress, Insurance as a Crown of Care

Ms. F, a long-term China Life customer, started purchasing policies in 2013, including China Life Gold Account Annuity Insurance (Universal Type, Deluxe Edition) and China Life Fu Lu 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 after receiving claim documents.

Insight: Scientific prevention and treatment are key to combating disease. Proper insurance allocation is a solid backing against risks.

Case 7: Comprehensive Coverage for Unexpected Risks

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

Insight: Regular ECG screenings and CPR skills reduce sudden death risk; reasonable policy allocation provides support and strength when risks occur.

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

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

Insight: Consistent long-term insurance is a scientific way to transfer risk, providing timely and effective financial support during extreme events, ensuring future stability.

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

Entrepreneur Mr. I has been continuously purchasing policies since 2015, including China Life Xin Fu Annual Pension and Xin Yao Dong Fang Annuity. In November 2024, he suddenly died of a heart attack at home. His family submitted a claim, and the company quickly paid 19.09 million yuan, fulfilling its promise of protection.

Insight: Early planning and insurance deployment create a solid safety net for family. Timely claims are the gentlest armor for loved ones.

Case 10: Unpredictable Accidents, Promises Supporting Family in the Sky

Mr. J, since 2015, has purchased multiple policies, including China Life Fu Lu Xin Zun Whole Life Insurance (Dividend Type), China Life Xin Fu Chuan Jia Whole Life Insurance, and Xin Yao Hong Yun Annuity. In June 2025, he tragically drowned. The company received his claim and paid 18.33 million yuan, fulfilling its promise with action.

Insight: High-value policies are more than contracts; they are serious commitments and proactive planning for family finances. They build a strong financial barrier in case of accidents, safeguarding family stability and dignity.

Life is unpredictable; protection is always present. From critical illness to accidents, from middle age to silver years, these cases reaffirm that insurance is not just a contract but a source of confidence through storms, a bridge that continues love and hope. China Life always adheres to the customer-centric service philosophy, fulfilling its promise of insurance protection through practical claims services, strengthening safety for millions of families, and ensuring protection is always present. (CIS)