In a remarkable tale of youthful foresight, a young woman in Xi’an, Shaanxi Province, China, has reaped a substantial financial reward through an unconventional insurance policy she purchased during her school years. Known locally as ‘Love Insurance’, the policy, bought for just $28 USD (approximately 3,400 BDT), matured nearly a decade later, coinciding with her marriage to her long-term partner.
According to reports by NDTV and the China South Morning Post, the policy was originally purchased in 2016 by the young woman, surnamed Wu, as a gift for her boyfriend, Wang. At first, Wang was sceptical about the arrangement, suspecting that Wu might have fallen prey to a scam. Yet the innovative policy, offered by China Life Property & Casualty Insurance Company Limited, proved legitimate.
The unique scheme promised couples a reward of 10,000 yuan (approximately $1,400 USD or 172,000 BDT) in cash—or an alternative of 10,000 roses—if they married within a specified period. True to the terms, Wu and Wang tied the knot in October 2025 after nearly ten years of courtship. Upon registering their marriage, they promptly filed a claim with the insurer. Given the practical difficulties of storing 10,000 roses, the couple opted for the cash payout.
Reflecting on the windfall, Wu said, “Receiving this sum after our wedding and honeymoon has added immense joy to the start of our married life.” While the policy itself ceased to be available for new buyers in 2017, previously purchased plans remain valid, offering long-term benefits to couples like Wu and Wang.
This extraordinary story demonstrates how small, inventive investments can yield significant returns over time. It also highlights the power of trust, patience, and planning in personal relationships—a reminder that sometimes love and prudence go hand in hand.
The table below summarises the key details of the policy:
| Subject | Details |
|---|---|
| Insurance Type | Love Insurance |
| Year Purchased | 2016 |
| Cost | 28 USD (~3,400 BDT) |
| Policy Condition | Marriage within a specified period |
| Reward Amount | 1,400 USD (~172,000 BDT) or 10,000 roses |
| Marriage Date | October 2025 |
| Policy Status | New purchases ceased in 2017; existing policies still valid |
Wu and Wang’s story has captured widespread attention, illustrating that creativity in financial planning—even for matters of the heart—can pay unexpected dividends. In this case, love truly translated into a tangible and timely reward.