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http://pd.gophercentral.com/u/1088/c/186/a/25

September 24, 2010

Greetings...

The insurance business is a type of business that relies on our fears
or the "what ifs" of life. By law, we have to have car insurance in
case we are involved in an accident, no matter who is at fault...

Health insurance is needed to offset the high cost of medical treatment
and hopefully prevent people from losing everything due to an illness
that force millions of people into financial ruin every day...

One enterprising start-up insurance company based in North Carolina is
playing the odds that people who promise to "love until death do they
part" will divorce as the statistics prove their case...

Wedlock was recently released by SageGuard Guaranty Corp as the world's
first divorce insurance...

Yep, you read that right...

The casualty insurance is designed to provide financial assistance
in the form of cash to cover the costs of a divorce, such as legal
proceedings or setting up a new apartment or house. It is sold in
?units of protection.? Each unit costs $15.99 per month and provides
$1,250 in coverage. So, if you bought 10 units, your initial coverage
would be $12,500 and you?d be paying $15.99 per month for each of those
units. In addition, every year, the company adds $250 in coverage for
each unit...

I hope people thinking about this really look at the cost per month
when you start adding up "units"...

If you get divorced and your policy has matured, which of course, carries
plenty of "maturity rules", you would send WedLock proof of your divorce.
In return, you?d receive a lump sum of cash equivalent to the amount of
coverage you had purchased...

Policies don't mature until 48 months after the policy goes into effect to
prevent people from purchasing a policy when they are already going through
a divorce or planning one. Of course, for an additional charge, you can get
that time cut down to 36 months. If a couple happen to divorce befre the
"allowed" time, they will get their premiums back, minus some charges I'm
sure...

So, this is where we're at in 2010. I admit, I've taken bets about
the longevity of a few couple I have known, but I don't know if I,
the most cynical person on Earth, would take out an insurance policy
that basically bets on the success rate of my marriage, or should I say,
failure of it...

Then again, I get other types of insurance that I hope I won't need, but
am glad I have when and if I need it...

What are your thoughts? I understand the archives have been fixed and
comments can be left again. (keeping fingers crossed)

:-)
Have a great weekend everyone!