Woman cashes in “Love Insurance” after 10-year wait – The ultimate relationship bet that actually paid off!

Imagine this: You buy your boyfriend a “love insurance” as a quirky gift, betting you’ll marry each other within 10 years. And, you finally do get married a decade later. Wedding bells ring, and you claim INR 1.3 lakh cash instead of just roses! This Chinese woman’s story has the nation talking and the internet screaming “Why didn’t I know about this earlier?!”, reports Tribune India. Here’s how a Chinese woman earned INR 1.3 lakhs from “Love Insurance”, after 10 years of relationship:A high-school sweetheart’s bold betMeet Wu (known only by her surname) from Xi’an, Shaanxi in China. She and boyfriend Wang (his surname) crushed on each other since secondary school, made it official in 2015 at university. In 2016, Wu spotted China Life’s novelty “love insurance” – 199 yuan (INR 2576) discounted from 299 yuan (INR 3871). The deal? Marry within 10 years of policy’s third anniversary, and get 10,000 roses, diamond ring, OR 10,000 yuan cash (roughly INR 1.3 lakh)!

Wang was skeptical initially, thinking the insurance was a scam. But, Wu being a romantic risk-taker, bought it anyway.10 years later: Not just a wedding, but a wedding payout!In October 2025, after exact decade of dating each other, Wu and Wang registered their marriage. Thinking roses are “too hard to store,” and giving a pass to the diamond ring, the couple chose to claim their cash prize. China Life honours the payout despite discontinuing product in 2017. Old policies? Still valid!What was the “Love Insurance”?Clearly, a marketing genius disguised as insurance. Novelty products (2010s China) bet on romance timelines:“Marry within X years” = payout“Stay together Y months” = rewardRegulators ended most of such Love Insurance by 2018, but those policies which were already taken were still valid.The real romance behind the headlinesApart from the insurance gimmicks – Wu and Wang’s decade-long relationship that lead to marriage proves that true love and commitment stays forever. Secondary school romances surviving university, jobs, life are rare. Wu’s “I believe in us” bet at 199 yuan became priceless memories and, of course, a profit for the couple.