A woman in China made a tiny investment in love — and it paid off in cash nearly ten years later.
In 2016, Ms. Wu from Xi'an bought a quirky insurance policy called "love insurance" for just 199 yuan (around $28 USD). The policy promised a payout if she and her boyfriend at the time eventually got married.
At first, her boyfriend, Mr. Wang, was skeptical and even joked that she had been scammed. But Wu went ahead anyway — and it turned out to be a smart move.
How the Insurance Worked
The insurance, issued by China Life Property and Casualty Insurance, was designed for couples. It offered a reward if the couple officially registered their marriage within a certain period — in Wu's case, about ten years.
The policy could pay 10,000 yuan (around $1,400 USD), or provide symbolic gifts like 10,000 roses. Wu chose the cash option.
The Happy Ending
After nearly a decade together, Wu and Wang registered their marriage in October 2025. She then claimed the insurance payout — and received the full 10,000 yuan ($1,400).
"I never thought a small, playful insurance policy would actually work," Wu said. "It's a fun memory from our early relationship, and it turned out to be a nice bonus too."
Public Reaction
The story quickly went viral online, with many people joking that they wished they had known about "love insurance" in their own relationships. Others found the idea cute and innovative — a reminder that sometimes, small gestures in love can have unexpected rewards.
Love Insurance in China
"Love insurance" is not common, but similar novelty policies have appeared in China over the years. They are often marketed around Valentine's Day or other romantic occasions and usually target young couples.
While these policies are fun and promotional, they also highlight how the insurance industry has experimented with creative ways to engage younger consumers. Wu's story is one of the rare cases where the policy actually paid out as promised.
💡 Fun Fact: Some policies even offer rewards like roses, chocolates, or jewellery if couples marry — but Wu wisely chose the cash!
Source:https://www.scmp.com/news/people-culture/trending-china/article/3339009/china-woman-buys-us28-love-insurance-claims-us1400-when-she-gets-married-decade-later
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