What if every marriage could come with a "Guaranty"?
The idea of Divorce Insurance or Marriage Insurance is not new. In fact, its
roots go back to the very beginnings of insurance in Elizabethan England. As
early as 1664, insurance policies were being written on marriages, births
and even christenings. Unfortunately, most of these policies were written as
a form of wager and England banned the practice in 1712. No form of marriage
insurance policy has been written since.
Marriage itself is a forward looking and optimistic event. Itís a time when
outlooks all seem bright and dreams are in the making. And historically,
marriage has been the cornerstone of civilized society.
The idea that the combined efforts of husband and wife result in an increase
in wealth is not only valid, but data from the US National Longitudinal
Survey of Youth, which tracks individuals in their 20s, 30s and early 40s,
shows that over time married respondents experience per person net worth
increases of 93%, nearly double over single respondents. Additionally, their
wealth increases on average 16% for each year of marriage.
Today, couples are often marrying later and in many cases, both husband and
wife bring more assets and more debt, meaning more complexity into a
relationship. Yet no investment vehicle exists today that provides
individuals that tirelessly work to maintain a lasting marriage with any
financial remuneration or monetary incentive from what anyone would agree
sometimes involves unending compromise and hard sacrifices in the quest for
There are few guarantees in life and based on current divorce rates,
marriage is certainly not one. Sadly this cornerstone has eroded over time
to the point that nearly half of all marriages that take place in
westernized societies fail.
Approximately 2.3 million weddings take place in the United States alone
each year. Historical data indicates that about 50% of first
marriages ultimately will be
dissolved via divorce (according
and more than 60% of remarriages. Of the projected 24 million weddings
that will be consummated in the United States between 2010 and 2020, over
11,700,000 of those marriages will likely be legally dissolved in their
first 15 years. And because children of divorced parents are three times
more likely to get divorced than their counterparts from successful
marriages, the US census now estimates that only 33% of couples married
today will celebrate their 25th anniversary.
In addition, in 2008, the US personal savings rate was at its lowest point
since the Great Depression. While that has adjusted somewhat because of
fears of a prolonged downturn in the economy, the US still has one of the
worst personal savings rate of any industrialized nation. Credit card debt
has tripled since 1989 to nearly 800 billion in the US alone and Social
Security may soon be at risk of insolvency. As a result, more and
more, couples today are actively searching for investments that will guarantee a
comfortable retirement with high returns and more importantly, low risk.
As a first step into the marketplace, SafeGuard Guaranty Corporation became
the first company in the world to develop an actual divorce insurance policy
called WedLock Divorce Insurancesm .
Launched in August of 2010, originally underwritten and sold by a Utah
Surplus Lines insurer, today WedLocksm policies
are not currently available, but we are
actively looking for underwriting relationships that will help us relaunch
that product in certain markets outside the US. Here in the United States we
are moving to the next phase which will include the creation of a new
insurance company to underwrite our new product, Marriage Assurancesm
which, along with the same type of divorce coverage that the previous
policies offered, will also provide for a long term
'Successful Marriage Benefit' for those policy holders that do not divorce,
thereby financially incenting them to stay married.
Read more about the
financial impact of divorce.
will break new ground in the
insurance industry by being the first policy in the world to offer a huge,
wealth creating, living benefit to people for simply staying married and at
the same time offer the peace of mind of a cash based financial safety net
should the unimaginable happen and they become an unfortunate statistic of
divorce, death or terminal illness. To find out more, send us an email at
If you are interested in
learning more about how you might invest in this ground breaking company,
contact us at your convenience by sending an email to