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Divorce Insurance — What Will Be Next?

Want to buy some divorce insurance? Jennifer Saranow Schultz reports in the New York Times that SafeGuard Corp. of North Carolina is offering the world's first divorce insurance called WedLock. For each $15.99 per month you pay, you can buy $1,250 in coverage. The benefit covers the costs of divorce such as lawyer fees or setting up a new home.

Then, if you get divorced, you send Wedlock proof, and they'll send you a check for the amount of insurance you purchased. You have to be married at least four years, however, before the payout. You can buy riders to shorten that to three years or get your premiums back if you don't make it that long. Every year the company automatically adds another $250 to the coverage for each unit you buy.

The company helpfully provides calculators on its site for Divorce Probability and Divorce Costs to help you figure out much insurance you need.

I don't know if the company is any good or if the insurance is worthwhile, but it's fun to use the calculators. You can do the calculations from your point of view and from your spouse's point of view. If you accurately record how your spouse would respond on the questions, you might be surprised at the difference in scores. It might get you thinking about things.

Since we now have these tools to predict the future, maybe someone will come up with a test you can take so you can learn how to correct your mistakes and fix any problems in your marriage. We can always hope!