With This Ring I Thee....Buy Divorce Insurance?

"Divorce Insurance protection can be purchased on behalf of other immediate family members (or employees) without any increase in cost."

Get outta here! Now, this is what I consider a good investment. I can think of a few couples who would've put me in a higher tax bracket had this been available a few years ago.

Seriously, undoubtedly there are quite a few reasons to insure against life's unexpected events. As much as we complain about the cost vs. benefit of other types of insurance, we know death is inevitable and maintaining good health is vital so these safeguards are no-brainers. However... I'm having a hard time thinking of a good reason any couple should start their happily ever after by running to buy divorce insurance as soon as the last meatball is served at the wedding reception. Seems like yet another way folks make millions off of pessimism, fear and insecurity.

I know people who've gone the quickie "leave with what you came with" route. The least messy of all, but usually the most amicable option.

And, the "I should've listened to my friends, they knew it wouldn't work, but let's drag this out because I hate your guts and you owe me!" route. Very messy indeed. This taught me there can be four (or more) sides to each divorce battle -- his, hers, the lover's and the ugly truth. These real-life dramas bring out the worst in people and open your eyes to a lot of unsavory things, such as deceit and character flaws. No one really wins, but they'll go to any length to try to.

We certainly can't leave out the "I want to be a millionaire, just without you" scenario where one party makes substantially more than the other and ends up fighting tooth and nail to keep what they entered the relationship with.

There's no doubt divorce can be extremely expensive, that's not why I'm leery. It's the thought that anyone who enters a marriage does so with anything less than the intent to be together until death that's a red flag to me. As one who sees the benefit of a prenup in some circumstances, maybe this insurance isn't such a crazy idea or that much different. Perhaps the argument for the "protection" of divorce insurance is pretty cut-and-dried, I just don't see it.

What does the fam think?