It's good we've finally come to this. If you're the type of person to get married, but want a little piece of mind, you ought to call WedLock. The idea of divorce insurance is seedy on its own. What really bothers me is it's such a shitty deal.

WedLock, as it's coyly named, is a new type of casualty insurance that gives the unhappily married policyholder a payout after he or she is unhitched. It costs about $16 a month for every $1,250 of coverage. But to discourage people from signing up just prior to their divorce, policyholders must ante up for four years before the policy will pay out. It adds a premium of $250 per unit for every year the marriage survives beyond four. So if a policyholder who bought 10 units got divorced after 10 years, he or she would have handed over $19,188 and would receive a payout of $27,500.