"Hey, honey, I want to marry you .... but let's purchase divorce insurance, just in case."

Wow, divorce insurance ... really?  A North Carolina-based insurance company offers a payout if your marriage ends in divorce.  Why would you even get married?  The money?  Those are marriages heading straight for doom.  In the back of their minds, the couple will always have the divorce insurance payout in their back pockets.  What reason do you have for confidence in your marriage, confidence to express your concerns and work through problems, confidence your spouse will stay with you "through thick and thin, in sickness and in health, for better or for worse, until death do you part?"  None.  Boo.  Boo to you, insurance company, for being evil enablers.