In the story in question and now widely distributed on social media, a woman from Xi'an, Shaanxi province, proved betting on long-term commitment can bring her a lot of profits. Wang, Wu's now-husband, and they met during secondary school; they dated before the marriage began in 2015 during their time at university.
The Unusual Investment
In 2016, I recall that China Life Property and Casualty Insurance Company Limited introduced a unique product called a Love Insurance policy. Wu was able to snag a discounted version for 199 yuan (approx. ₹2,500) despite having been charged 299 yuan, as is the accepted standard price, as a gift for her boyfriend.
At the time, Wang was skeptical of what she was buying. “When she told me she purchased love insurance, my first response was I felt like I had been scammed,” Wang said in a recent interview. What he did not know was that this “scam” would ultimately be their honeymoon.
How the ‘Love Insurance’ Worked
The policy was at bottom a high-stakes wager on a couple’s commitment. The terms were simple but exacting:
- The Time: The couple was required to marry between three and 13 years after issuing the policy.
- Reward: If they completed the marriage within this time frame, they were also entitled to one of the three offers, which were 10,000 roses, a 0.5-carat heart-shaped diamond ring, or cash payment of 10,000 yuan (approx. ₹1.2 lakh).
A Decade of Commitment
Wu and Wang entered into a marriage in October 2025, after ten years of dating. As the terms of the agreement stated, they filed an insurance claim with a business. When asked why they hadn't picked the roses or the ring, Wu downplayed the matter for the practical purpose of stating, “The wedding is already done. I’d have no idea how to save 10,000 roses.” The couple were offered the cash payout of 10,000 yuan, which was honored by the company, despite the "Love Insurance" scheme being discontinued in 2017.
The End of an Era
The China Banking and Insurance Regulatory Commission ceased issuing the novelty products in 2017, calling them “gimmicks” that lacked real insurable interest. No new policies are being sold, but the claims owed by those who bought them before the ban must be paid. For Wu and Wang, the long and long romance has not only survived the test of time but also brought a sweet financial reward.
