【level 3 eroticism】

First comes love,level 3 eroticism then comes -- love insurance?

Buying love insurance is the latest trend sweeping millennials in China, with a growing number of couples signing up.

SEE ALSO: Why more and more singles in China are renting partners

The idea behind it is that couples pay companies a one-time fee to agree to get married within a set time frame.

If they do end up getting married, they receive a payout, usually in the form of a larger amount of cash.

And they're doing it because the "insurance" provides them with a sense of security, according to the social media buzz. Many take the policies as assurance that their partner is serious in furthering the relationship.

"With the love insurance, I now feel a sense of security," posted a female netizen in China who received the policy on Valentine's Day alongside cake and flowers.

Original image has been replaced. Credit: Mashable

"This protects a girl's heart. Thank you being with me for so many years," said another female netizen who posted a picture of the policy alongside a bouquet of roses -- also on Valentine's Day.

"I live 600km away (from my boyfriend) so this assures me," agreed another Weibo user.

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"It's as much money as going for dinner but it shows your girlfriend a lot of loyalty. In that sense, it's a good deal," said one user on Chinese Q&A website Zhihu.

Big firms now sell love insurance

Love insurance is being offered by a number of established companies, including Alipay, which is owned by e-commerce giant Alibaba.

Original image has been replaced. Credit: Mashable

Alipay's policies start at $14, going up to $43 and $72.

If the couple produces a marriage certificate between 3 and 13 years' time, they will receive a corresponding payout of $291, $873 and $1,455.

But maybe cash isn't your thing -- how about flowers?

Original image has been replaced. Credit: Mashable

Another insurance plan offered by China Life, the country's largest insurance firm, costs $43, offering a staggering 10,000 roses to those who also get married after three years.

Original image has been replaced. Credit: Mashable

The same plan for college students costs $28, because we all know broke students need reassurance too.

But couples might not want to get their hopes up too soon.

According to Huize, a Chinese insurance platform, 98 percent of couples break up within three years.

China's divorce rate has also increased, with some 3.84 million couples calling their marriage off last year.

Well, at least no one can say they didn't try.

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