Would you buy divorce insurance if it was offered to you?

[live2dance25]

I just learned that Divorce Insurance is a thing in the US. Still a relatively new concept, you pay a monthly fee and purchase blocks of insurance. If you get divorced, it pays out something like $1250 per $16 a month you’ve paid into it, which sounds insane. With divorce rates in the US being something like 50% I can see companies wanting to capitalize on this, but the concept seems absurd. If marriage is just about money, then you are getting married for the wrong reasons.

I’d love to hear from the GaG community. Would you buy divorce insurance if you were getting married?

[Anonymous]

Anything in your control is not insurable; by law, insurance is only for unexpected events. Couples could get together and have a planned divorce just to get the money.

And those rates don't make sense. To just pay your legal fees you'd have to put around $7,000 a year into it and at that rate you could save up that much money in 7 years, not even counting the interest, which would be another few thousand by then. And the payout wouldn't even begin to cover what a divorce settlement would be.

[sage2021]

Yep!!

[sage2021]

Thank you for the MHO 🙂

[RavVid]

I just don't see how it could be viable at current divorce rates. OK 50% divorces at 8 years which is 96 months. At $16/month you pay in $1536 over the term but only get back $1250. Doubtless your wife will claim half of that.

All it does is compound your losses.

If you think you need marriage insurance don't marry is a far better call.

[RavVid]

Thanks for a MHO

[Zack-Bann]

Ngl I would find a woman willing to defraud that system
We would get married just to buy a decent block and then trigger the divorce for the insurance money and still “secretly” remain in a relationship


Ok maybe I wouldn’t do it but imagine all the couples who would especially lower income households

[AviatorTom]

What's the point? Divorce settlements are based on law and the courts.

[MikeMcMansion]

This would be a good idea for men, as its by-and-far more likely us who get alienated from our kids and lose the house and go to prison for child support drama

[msc545]

You probably should be aware that divorce courts, or so-called family law courts, are courts of equity, not courts of law. There is a big difference, and that difference is important. If you knew what it was, you would understand why I'm making this comment.

[AviatorTom]

@msc545 If you've followed many of my posts, you would know that I've been through a divorce, and fully understand divorce law and how the courts handle divorce.

[msc545]

Do you know the difference between a court of law and a court of equity?

[MikeMcMansion]

@msc545 one is bound by the constitution to exercise due process the other is anti-constitutional feminist ponzi-scheme bull shit plain and simple

[msc545]

@MikeMcMansion I'm not sure it's quite that clear, but it's pretty close. Courts of equity are courts where whatever the judge decides is reasonably equitable or fair is what happens. Courts of law are courts where written law decides what happens.

[MikeMcMansion]

You can’t bull shit a bull shitter, that’s straight from the arm pits of a hippy with an inoperable brain tumor growing on its hippocampus with an intestinal infestation of roundworms that is addicted to mine craft and meth whom hasn’t showered since its conception at the mouth of Hades and who sleeps with elephant seals

[msc545]

Are you talking about anything at all?

[MikeMcMansion]

@msc545 Can you not see a simile when you look at one?

[msc545]

@MikeMcMansion apparently I cannot, but I can see a very offensive post. Or I look at one and wonder why it exists.

[MikeMcMansion]

@msc545 like family court, it should just be criminal court to be able to remove a biological parent’s children from them

[MikeMcMansion]

@msc545 what’s so offense about arm pits?

[msc545]

Not the armpits that are offensive. It's the entire thing. I don't understand why you posted it and it annoys me. I am trying to get it removed but I probably won't be able to.

[MikeMcMansion]

@msc545 bruh, why? Its funny. I’ve said completely horrendous things on here before. If you want to do “good” go to sexuality and hunt predators and flag their perverted crap

[MikeMcMansion]

Family court was hell for my kids and I both effectively destroying lives, there is nothing offensive enough that I cod compare without being actually censorable

[msc545]

It's not funny. It's disgusting.

[msc545]

Yeah I got the family. Court is a disgusting place posting something equally disgusting on here or almost equally disgusting. Doesn't make family court any better.

[MikeMcMansion]

@msc545 well go report perverts not me being benignly juvenile

[MikeMcMansion]

Just cause it made you queasy

[msc545]

No, it didn't make me queasy. I just found it annoying and unnecessary and completely off topic. Anyway, it doesn't matter what you report on here because nothing ever happens as a result of the report. We all know that now.

[MikeMcMansion]

@msc545 I’ve reported something in sexuality that was removed once

[MikeMcMansion]

I think

[MikeMcMansion]

I don’t read stuff there anymore unless by accident

[msc545]

Well good. We'll get you a medal for that. If you post it on my question I'm going to read it

[MikeMcMansion]

@msc545 Thanks

[msc545]

The problem with this concept is that the potential for fraud is so high that it would not make any sense to sell this kind of insurance. Considering how money hungry women actually are, I don't know how you could protect against fraud. How can you be sure that people are really divorced?

[OneViewpoint]

A prenup is much cheaper than insurance. So no, I wouldn't buy divorce insurance. Why not just create a legally binding contract to create certainty and limit risk in the event of divorce? Why complicate a simple thing?

[msc545]

Prenups don't work for men. When the woman decides that the prenup is unfair to her, the judge agrees. You will find out what I'm talking about. This happens more often than you'd believe.

[exitseven]

No, if you re getting divorce insurance it means that you expect to fail. Same think with pre nups/

[KimmySchmit]

Car insurance, health insurance and home insurance and thats it.

[msc545]

You're not the one that needs divorce insurance. Your putative husband is the one that needs

[KimmySchmit]

@msc545 but wouldn't i get half?

[msc545]

You would probably get a lot more than half being the female.

[Maybe_Maybe_not]

I don't understand the incentive, you can't stipulate any separation of marital property when you get married in USA?

[msc545]

You get stipulated to some extent, but when you do, then you get to worse. Good luck making that stipulation stick.

[Anonymous]

Is that really a thing?

Good god, Americans are stupid!

[dudeinohio]

You don't know the half of it.

[msc545]

It actually is not a thing because there is no way to do this without encouraging fraud.

[MikeMcMansion]

Thats a k drama, no one’s even marrying there so its a nonstarter from the get-go

[LazerBean]

Nope, no need for me.

[msc545]

No need to see it, apparently. Hopefully never.

[TonyMetal___86]

No marriage no divorce, as simple as that 😌

[Sal_Monella]

There should be bullet proof pre-nups.

[Jeff51]

No. If i wasn't ready then why get married