Love Insurance

Have you ever thought of having Love-Insurance? Few days back I got this weird idea of having love-insurance somewhat parallel to health insurance or auto insurance. In US insurance is a booming industry and it has its own pros and cons. Here goes my idea for Love-Insurance.

The process goes like this i.e. if you are in love then you and your partner needs to insure that love. Depending on your Love-Credit-History* and your partner's Love-Credit-History* the premium for the insurance would be decided. There would be other factors too which would decide the premium for e.g. your age, your education background, your financial dependence, etc. Then as you move along and time passes and number of years you spend together increases your premium would decrease accordingly.

Coming to the benefits of having love insurance is that when there is a break-up you can claim your insurance and an independent investigating agency (Wow! Another industry because of Love-Insurance, I’m creating more jobs for everyone.) would investigate on your case and comes out with the reasons of the break-up and accordingly compensation would be given to the sufferer. Of course money cannot give back your love but it would keep a check on false love and break-ups.

Of course, it would also have its own drawbacks. The major one would be false claims, people would have love insurance and try and create situation intentionally so that his/her partner does something stupid or hire some professionals to lure the partner into some illicit activities and thereby making a claim for love insurance. To prevent this we need to have proper investigation agency which can dig out the truth. Probably, I guess one of the best ideas would be to have periodic survey about how you feel about your partner, if there are any differences, what you don’t like in your partner, what you like the most in your partner, etc. Also it would be great if Love-Insurance companies would have some great counselors who can help out their clients to have a lasting relationship. Great ideas coming to my mind J I guess I’m going to file a patent for this noble concept.

What do you say??? Comments are welcome!

*Love-Credit-History: This is somewhat analogous to your financial Credit History. For example if you have betrayed your last partner then your love-credit-history would have big –ve points i.e. you are not reliable. It would also be dependent on how many relationships you were involved in and the period for each relationship, less number of relationships means more dependable you are in terms of love insurance.

There are lots of other thought which I wanted to put down but just to kick off the idea this much is enough I guess ;-).