A unique insurance story from Xi’an, Shaanxi Province, China, has captured international attention. A young woman, known as Wu, purchased a quirky “Love Insurance” policy during her secondary school years for just 28 US dollars (approximately 3,400 Bangladeshi Taka). Nearly a decade later, the policy proved remarkably prescient, rewarding Wu and her long-time partner Wang with a significant financial benefit upon their marriage.
According to reports from NDTV and the China South Morning Post, Wu had bought the policy in 2016 as a gift for Wang. Initially, Wang was sceptical, suspecting perhaps a prank or scam. However, the policy’s terms, issued by China Life Property & Casualty Insurance Company Limited, were fully legitimate and binding.
The insurance was part of an innovative product line the company offered at the time, specifically called “Love Insurance”. The main condition stipulated that the couple must marry within a certain timeframe to qualify. Upon fulfilling this requirement, policyholders were entitled to either 10,000 Chinese Yuan (approximately 1,400 US dollars) in cash or an equivalent of 10,000 roses.
Wu and Wang, who had nurtured their relationship for nearly ten years, finally married in October 2025. Immediately after registering their marriage, they submitted a claim. Since storing 10,000 roses was impractical, they opted to receive the cash benefit instead. Wu commented, “After the wedding celebrations and our honeymoon, this money has added even more joy to the start of our new life together.”
While the company discontinued this particular policy in 2017, any policies purchased prior to its closure remain active. The story serves as a reminder that creative, even small-scale, insurance schemes can yield meaningful rewards in the long term. Wu and Wang’s experience highlights the importance of trust, planning, and patience in matters of both love and life.
Below is a concise summary of the policy details:
| Aspect | Details |
|---|---|
| Type of Insurance | Love Insurance |
| Year of Purchase | 2016 |
| Cost | 28 USD (~3,400 BDT) |
| Condition | Marriage within specified timeframe |
| Benefit | 1,400 USD (~172,000 BDT) or 10,000 roses |
| Date of Marriage | October 2025 |
| Policy Status | New purchases discontinued in 2017; prior policies remain valid |
This story not only captures public imagination but also illustrates how small acts of foresight can transform into lasting rewards—both financially and emotionally.