Heartwarming insurance empowers people’s livelihoods! China Life precisely protects “one elderly and one young,” the nation’s half that carries the burden.

Elderly people, teenagers and children, and women are the most vulnerable groups in society—groups that are most in need of care. Through inclusive and tailored insurance coverage, we protect “one side for the elderly and one side for children,” effectively defusing the risks of accidental injuries, health threats, and economic pressure they face, and firmly safeguarding the bottom line of people’s wellbeing. This is profoundly meaningful. It not only conveys social care and strengthens the sense of security and happiness of these specific groups, but also highlights the unique value of insurance in serving the overall development of the country and promoting social harmony and stability.

As a state-owned large financial and insurance enterprise, China Life Insurance Company Limited (hereinafter “China Life,” stock code: 601628.SH, 2628.HK) has always adhered to the original aspiration of “insurance for the people.” It actively responds to the country’s inclusive finance policy, and precisely focuses on the protection needs of groups such as the elderly, students, and women—those “one side for the elderly and one side for children.” It effectively safeguards the wellbeing of people’s lives. In Dezhou, Shandong, China Life stands on the needs of people’s livelihoods, and around what the public feels is most pressing—“things they urgently need, things they are worried about, and things they hope to solve”—it is committed to providing diversified, high-efficiency insurance solutions. Through an innovative product system and optimized service processes, it continuously improves its capacity to deliver inclusive financial services, meets the public’s diversified insurance needs, and wholeheartedly protects people’s better lives.

**Warm care for silver years **

Building a solid frontline for elderly living

High-age accidental falls with injuries and sudden illness requiring hospitalization are among the most common everyday risks faced by elderly people, and they are also a tough burden for many ordinary families. In July 2025, an 85-year-old man, @someone name? no—“a certain Mr. Gao,” stated as “the 85-year-old Gao,” but source: “乐陵市85岁老人高某” => keep “Gao” as a placeholder: In July 2025, Gao, an 85-year-old in Leling City, accidentally fell in the village and suffered a humerus fracture. He received treatment at the Leling City Hospital of Traditional Chinese Medicine, and on August 18 he submitted the claim materials. The next day, the China Life Dezhou Branch quickly paid 9,795.53 yuan, promptly filling the gap in medical expenses. In the same month, Liang, a resident of Dingwu Town in Leling City, suffered burns in multiple parts of his body due to an accident. After treatment ended, he smoothly submitted a claim application. The next day, China Life paid 13,000 yuan, effectively easing the economic pressure caused by the injuries and illness.

Case after real claim case is a vivid snapshot of China Life’s deep cultivation of inclusive elderly protection. Focusing on the risk characteristics of elderly people, the company upholds inclusive principles of “low premiums, broad coverage, and appropriate protection.” It concentrates on accidental injury protection needs for the elderly and continuously optimizes its elderly protection product system. Meanwhile, it precisely tailors services to the elderly’s way of handling affairs. In Dezhou, it launched multiple convenient and warm initiatives: it opened a green claims channel, simplified the review process, and achieved “one-day payout” for simple cases; it formed a dedicated “Silver Age Serenity and Health” service team and equipped a 24-hour consultation hotline to respond to the public’s needs around the clock; it built an online service platform that allows easy, one-click access to policy information and claim progress—so that data runs more, and the elderly run less, truly solving the difficulties elderly people face in handling affairs.

Finance must serve “what the nation needs,” but it also must focus on “what people want.” In 2025, the China Life Dezhou Branch’s “Silver Age Serenity and Health Insurance”累计理赔7200余人次 (translated: accumulated claims for more than 7,200 person-times), with a total payout of over 17 million yuan. It effectively mitigated the risks of elderly people becoming impoverished unexpectedly due to accidents, or falling back into poverty unexpectedly, and provided “hard-core” protection so that elderly people’s evening lives are safer and warmer.

Looking across the whole province, the coverage of the “Silver Age Serenity and Health Project” continues to expand. Since pilot implementation in 2008, Shandong Province has累计参保人次 (accumulated insured person-times) exceeding 117 million, providing over 4.1 trillion yuan in risk protection. Claim person-times exceeded 1.65 million, and total payout exceeded 3 billion yuan. This figure not only reflects the strength of protection the “Silver Age Serenity and Health Project” provides to elderly people in Shandong, but also demonstrates the inclusiveness of this project.

In 2024, the National Financial Regulatory Administration issued the “Guiding Opinions on Promoting the High-Quality Development of Inclusive Insurance,” which clearly stated that it is necessary to vigorously develop accident injury insurance and health insurance products suitable for the protection needs and payment capabilities of elderly people, reasonably expand protection for people with pre-existing conditions and chronic disease groups, and focus on meeting the protection needs of very elderly people. The “Silver Age Serenity and Health Project” is precisely a pro-elderly initiative supported by the government and promoted by insurers. It aims to enhance the elderly’s ability to withstand risks and reduce the economic burden on individuals and families for accidental injuries in old age.

**Guiding and protecting women’s youthful beauty **

Protecting women’s health and happiness

Women’s health is the cornerstone of family happiness, and dedicated insurance coverage safeguards women’s beautiful lives. In Changyuan? no—source: 夏津县宋楼镇, so in Xiajin County’s Songlou Town, Ms. Ren was diagnosed with breast cancer during routine “two-cancer” screening. The sudden critical illness and high medical expenses pushed the family into difficulties. Thanks to the “Women’s Serenity and Health” policy she had purchased earlier, after the China Life Dezhou Branch received the claim application, it responded rapidly, completed the review and payout promptly, and delivered the 100k yuan claim payment to her family members in time, helping Ms. Ren with medical treatment and subsequent rehabilitation.

Ms. Ren’s experience is a true snapshot of the many women in Dezhou who have benefited from dedicated insurance protection. In 2025, the coverage of China Life Dezhou Branch’s “Women’s Serenity and Health” continued to expand. Over the whole year, it insured 96.5k person-times, providing more than 19.1 billion yuan in risk protection for women across the city.

The “Women’s Serenity and Health” project is not only about providing a policy, but also about delivering care. To this end, the China Life Dezhou Branch established a professional service team, implementing full-process thoughtful service—from policy publicity, enrollment consultation, to claim follow-up. The company regularly cooperates with departments such as the All-China Women’s Federation and health and wellness authorities to hold women’s health knowledge lectures and health check and care activities. It donates “two-cancer” insurance to groups including female sanitation workers in urban areas, domestic workers, and low-income women of eligible age. The number of people donated to reached 10k, bringing care to those who need it most nearby.

According to statistics, in recent years the “Women’s Serenity and Health” project has cumulatively provided risk protection for hundreds of thousands of women in Dezhou. Today, the “Women’s Serenity and Health” project, with solid protection and warm services, is building a sturdy health barrier for women’s happy lives in Dezhou.

Mr. Gao’s accidental fall and Ms. Ren’s unfortunate illness—both of them received insurance claims in the first instance. This vividly reflects China Life Shandong Branch’s long-term efforts in inclusive insurance and its precise response to risk protection needs of key groups such as the elderly and women. It is understood that the “Women’s Serenity and Health” project is closely based on “two-cancer” screening, and it innovates a one-stop service of “screening + advocacy + enrollment + claims,” expanding the covered population from the initial 720k to more than double. By the end of 2025, more than 1.5 million eligible women across the province have benefited from the inclusive insurance coverage of the “Women’s Serenity and Health” project, effectively easing the economic pressure brought by women’s specific diseases.

**Protecting the growth of children and teenagers **

Building a “risk prevention wall”

Healthy growth for teenagers and children touches every family. In September 2025, Zhao, a 16-year-old student in Dezhou, was diagnosed with acute myeloid leukemia. Multiple hospitalizations generated high medical costs. Even with reimbursement from basic medical insurance, the family still bore certain economic pressure. After receiving the claim application, the China Life Dezhou Branch immediately activated a fast claims channel, completed the review that day, and paid out 24,435.23 yuan in claim compensation, allowing Zhao’s family to feel the speed and warmth of insurance claims.

As an important supplement to basic medical insurance, China Life’s student accident health insurance (Xueping insurance) effectively safeguards teenagers’ growth thanks to affordable premiums, diversified coverage, and broad scenario coverage. The coverage of Xueping insurance includes both on-campus and off-campus, all time periods from going to and returning from school, and risks across multiple scenarios—truly achieving “no blind spots in protection” and “services with warmth.” Deepening its efforts in campus protection, the China Life Dezhou Branch has 30 years of specialized service experience in student insurance, and it continues to optimize its protection plans and service system, carefully and thoughtfully protecting the healthy growth of teenagers and children. In 2025, the company provided risk protection for 353.8k students, with total claim amounts exceeding 27 million yuan for the year, effectively building a “risk prevention wall” for the student group.

Deepening in the soil of people’s livelihood, and fulfilling financial responsibility to protect the peace and happiness of every family. Based on the political and people-centered nature of financial work, China Life proactively integrates into the overall situation of people’s livelihood protection, and continuously tightens and strengthens the safety net for people’s livelihood protection. In 2025, the company cumulatively paid more than 50 million yuan in compensation for the elderly, students, and women in Dezhou, and demonstrated its original aspiration and responsibility in insurance through precise protection.

Looking ahead, China Life will continue to uphold the corporate values of “achieving for others by first achieving for oneself” and deeply practice the mission of “serving the overall development of the country and protecting people’s better lives.” Driven by digital enablement and inclusive innovation, it will continue to further strengthen the safety net of people’s livelihood protection, providing protection that is even warmer and more sustainable for the “one side for the elderly and one side for children” groups.

This article is enterprise-submitted content and is for reference only

(Editor: Qian Xiaorui)

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