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 more than 60 million claims, with a total payout amount 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 per case. These cases involved 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 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: China’s lung cancer mortality rate ranks first among cancers. 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: Twenty-Four Years of Protection, Extending 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 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: 30.23 million yuan)

Ms. C demonstrated high risk awareness. Since her retirement in 2015, she purchased three policies: 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, was diagnosed with extensive pulmonary embolism. The company processed her claim promptly and paid 30.23 million yuan to her family.

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 is a financial commitment that provides protection for families.

Case 4: Sudden Illness, Insurance Keeps Love Close

(Payout: 27.18 million yuan)

Mr. D had strong risk awareness. Since 2022, he 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. 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 (accounting for 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, 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 Enjoy Future Whole Life Insurance, 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 payout 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. Over more than two decades, Mr. E’s insurance journey shows the importance of continuously reviewing and supplementing coverage as family responsibilities, income, and market products evolve—through increasing coverage (“incremental”) and diversifying risk coverage (“broadening”).

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

(Payout: 21.31 million yuan)

Ms. F, a long-term China Life customer, started purchasing policies in 2013, including China Life Gold Account Annuity (Universal) (Luxury 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 21.31 million yuan after receiving her claim.

Insight: Data from the National Cancer Center shows that the five-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: Comprehensive Coverage, Prepared for Sudden Risks

(Payout: 20.49 million yuan)

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

Insight: The 2022 White Paper on Epidemiology of Cardiac Sudden Death in Young Adults (18-45) shows 46.2% of cases are due to cardiac causes. Regular ECG screening and CPR training can reduce risk. Proper policy allocation provides support and strength when risks occur.

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

(Payout: 19.82 million yuan)

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

Insight: The crude mortality rate for esophageal cancer is 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 and effective financial support during extreme events, ensuring family stability.

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

(Payout: 19.09 million yuan)

Entrepreneur Mr. I has been steadily purchasing policies since 2015, including China Life Xin Fu Annual Pension and Xin Yao Dong Fang Annuity. In November 2024, he suddenly died of cardiac arrest at home. His family’s claim was settled quickly with 19.09 million yuan, fulfilling the promise of protection.

Insight: The 2023 China Cardiovascular Disease Report states over 544,000 cases of sudden cardiac death annually, accounting for more than 50% of cardiovascular deaths. This highlights the importance of early risk awareness. Mr. I’s proactive insurance planning created a solid safety net, and timely claims are the gentlest armor for loved ones.

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

(Payout: 18.33 million yuan)

Mr. J started purchasing multiple policies since 2015, including China Life Fu Lu Xin Zun Dividend Whole Life Insurance, China Life Xin Fu Chuan Jia Whole Life Insurance, and Xin Yao Hong Yun 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 strong financial barrier in emergencies, 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 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.