[mizswtifee]

I'm having a debate with a friend and I am arguing that since there are so many different types of insurance policies today like car insurance, life insurance, even pet insurance...why can't there be marriage insurance?

Marriage insurance would probably be like any other insurances where you pay a premium every month or year and if you stay together for a certain amount of years you will get a payout.

I'm saying that people should commit to their partners and buying "love insurance" for their partners would signify that they are willing to commit to them forever and this insurance will ensure their love.

My friend keeps telling me that it won't work because you're just paying to get married..

So...do you think marriage/love insurance would work? What are the pro's and cons'?

[JJ no Baka]

People will end up buying it and separating without actually getting a divorce. It just gives more incentive for people to marry for this insurance and not actually because they want to be together.

[RhythmEmotion]

Something like this already exists, it called having a kid lol.

Edit: wow... I just looked up the divorce rate in the US, and it's 40%. I never knew it was so high >_>

On the more financial side, this form of insurance wouldn't work too well, because the payout rate is too high compared to other forms such as vehicle and life; no company would see enough profit to set something like this up. Plus it would be one heck of a job to regulate marriage insurance.

Moral side: committing to stay together, because of potential cash payout? Oh joy...

[junsuusnuj]

no, that wouldnt work. insurance wasn't created so you could commit to your car, family, house, rent, health etc. insurance was created so that you wouldn't have to directly handle emergenicies yourself (money wise), and so you wouldn't have to pull out thousands and thousands of dollars when your in a car accident or you have to go through surgery, or leave your family with nothing if you happen to pass away.

getting married itself is a commitment. why would people buy an insurance plan to commit to each other? if people are getting married without committing to each other and the relationship, they shouldnt be getting married.

[Nana544]

getting married itself is a commitment. why would people buy an insurance plan to commit to each other? if people are getting married without committing to each other and the relationship, they shouldn't be getting married.

I totally agree. Marriage is a commitment made by two people, why need insurance for it? Insurance does nothing, and it will not help a marriage to stay stable since people would want to get marry then divorce to get some cash pay out.

[peppermintsugar]

It's called a prenuptial agreement. That's the best kind of insurance.

Having insurance to commit to something that is out of your hands (your feelings) would be stupid.

[kcn_]

It's called a prenuptial agreement.

that.

but isn't it a bit sad thinking you have to buy insurance for love
its like saying "hey, i don't think we'll break up, but just in case..."

love insurance is like bringing low expectations into a relationship

[ChingGoo]

love lockdown love lockdooown

[damyoungji]

I'm on your friends side.

To bond a couple together because of "marriage insurance" is absurd. You might as well "buy" a significant other with your money and force them to be with you because of a "contract". If love is ensured by money, then it's not love at all.

[ny-sw / ny_sw.]

LOL whut.
"WE WANT PRE-NUP!, yeah
It's something that you need to have
'Cause when she leave yo' ass she gon' leave with half"

wouldn't work. as someone said up there, the entire concept of insurance is so that you don't have to pay out of pocket for emergencies and stuff that you wouldn't be able to pay out of pocket.

[chiho]

This reminds me of some Chinese drama show... they actually did that and it promoted... marriage...

Well they might need it in the future if population rate are going to go down @ this rate.

[PRRRETTYGLiTTERRR]

getting married would add more expenses such as getting a house together, etc. why would i want to pay a company to confess my love? thats so unnecessary

[PH4T]

...no offense, but the idea is sort of faulty.
like some members suggested, couples can get married and separate.
see, there's a loophole in that.

[perfect visual]

i think you should get married, buy marriage insurance, have kids, be poor, fight over money, want to kill each other, make it work, live and continue life until the kids are out and in college, then once the kids graduate college or w/e then your marriage insurance is redeemed and youre rich! xD

you get paid for sticking together through the rough times

[queenxmabel]

It won't be about love anymore it'll be about getting a payout and seriously, with this recession, everyone is trying to get all the money they can.

Can't apply to same sex couples, because marriage isn't allowed among them. (I'm not anti-same sex marriage, read my blog on where I stand on this)