UK: Love Insurance Company

The love insurance company stipulates that all married couples can buy love insurance. In Britain, each couple can enjoy love insurance by paying only 5 pounds a month. About 20% of newlyweds will take out this kind of love insurance, and about 60% will take this kind of love insurance as an important choice for family financial management.

Specific insurance content: from the date of insurance, couples who have lived in harmony for 25 years can get 5,000 pounds of insurance money; If one of the spouses dies during the insurance period or for other reasons, the widow can also receive a pension of 1000; If the insured husband and wife are not in harmony and the company fails to mediate and divorce, the abandoned party can get 3000 pounds of insurance money.

United States: labor division contract

Marriage insurance in the United States is more like a property sharing guarantee contract, which guarantees that you can get a share of the property listed in the policy when you divorce. This policy lists the distribution of property and alimony according to the actual property of both husband and wife. If both parties really want to divorce, they will fulfill the division of labor contract. If they can't perform the contract because of accidents within the scope of insurance liability, the insurance company will compensate them and will not bring a lawsuit. And it can be stipulated in the insurance that the party whose marriage breaks down due to extramarital affairs will be punished in terms of property distribution, and those who like the new and hate the old will pay the price for their actions.

Sweden: Married for 25 years, here it is.

Married men and women who participate in insurance pay a certain amount of insurance premium every year. By the 25th wedding anniversary, the insurance company will give the insured couple a considerable premium at one time. During this period, if one spouse dies, the other spouse can also receive a certain amount of old-age insurance.

Russia: statutory compulsory insurance

The Russian (former Soviet Union) government promulgated the Marriage Insurance Regulations in 1976, stipulating that all parents (adoptive parents) and guardians who meet the requirements of the insured should take out marriage insurance for their sons aged 2 to 15, so as to ensure that the insured can receive marriage insurance money when they get married after reaching the legal age of marriage. This is statutory compulsory insurance.

Korea: There is insurance before and after marriage.

Love insurance has a history of about 20 years in Korea. The policies developed and sold by matchmaking and wedding companies and insurance companies are divided into pre-marital and post-marital love insurance. Pre-marital love insurance is based on whether lovers finally get married or not. If both parties finally get married, the insurance company will pay a certain amount of insurance money, otherwise it will not pay insurance money. Marriage and love insurance is based on the existence of marriage. When the marriage lasts for a certain number of years, the insurance company pays the insurance money on the important wedding anniversary, and the marriage is interrupted.

At present, some domestic companies have introduced "marriage insurance", but the effect is relatively simple. It's just a hype about getting married. The specific product is actually ordinary annuity dividend insurance or critical illness insurance, but it is stipulated in the contract that this insurance does not belong to both husband and wife when divorce property is divided. Moreover, most of the insured are limited to women, which is a hype after the revision of the marriage law. In fact, it is far from foreign marriage preservation.