This invention comprises a method of doing business involving providing
Divorce Insurance individuals who may become parties of divorce
("dissolution" in some states) to protect them from financial
difficulties as a result of a divorce, by providing one or more
lump sum cash benefits.
1. A method of doing business comprising the sale of Divorce Insurance
policies to individual policy holders, for which they pay a monthly
insurance premium, which insurance provides a cash benefit upon
the policy holder becoming divorced, comprising one or more cash
2. The method of claim 1 in which the cash benefits are paid in
a lump sum.
3. The method of claim 1 in which the benefits are paid to the
4. The method of claim 1 in which the policy holder is either single
5. The method of claim 1 in which applications are completed online
via the internet.
6. The method of claim 1 in which applications require no underwriting
as to likelihood of filing a claim.
7. The method of claim 1 in which the insurance premium is determined
by the amount of cash benefits (sold in units) and any multiplier
(additional percentage of the original premium cost) as prescribed
by choice of any riders.
8. The method of claim 1 in which the policy premium is paid by
automatic deduction via monthly debit from either a credit card
or bank draft.
9. The method of claim 1 in which the policy premium is paid in
10. The method of claim 1 in which there is an initial waiting
period of up to five years during which no benefits are paid.
12. The method of claim 1 in which a rider provides for a shortened
waiting period in consideration of a higher monthly premium amount.
13. The method of claim 1 in which a rider provides for return
of all premiums paid in the event of a divorce prior to the end
of the waiting period or cancellation of the policy by the policy
holder after its maturity date in consideration of a higher monthly
14. The method of claim 1 in which a rider provides for payment
of one half (50%) of the face value of the policy if a duly filed
legal separation agreement is presented any time after the maturity
date of the policy.
15. The method of claim 14 that if a legal separation rider claim
is processed then the remaining 50% of the face value of the policy
is paid upon presentation of a final divorce decree.
16. The method of claim 1 in which no benefit is paid for a standard
policy until a final judgment has been rendered in the divorce.
17. The method of claim 1 in which policies that have reached their
"maturity" (defined as the end of the initial waiting
period) will grow in face value every year as long as premiums continue
to be paid.
18. The method in claim 1 in which policies will be guaranteed
renewable after their maturity date.
19. A divorce insurance policy will provide cash benefits to policy
holders in the event of divorce or legal separation, for which they
pay an insurance premiums in which the benefits comprise one or
two cash payments.
FIELD OF THE INVENTION
 This invention comprises a method of doing business involving
providing divorce insurance to individuals who may become parties
of a divorce ("dissolution" in some states) to protect
them from adverse financial consequences as the result of a divorce
and provide them with a predetermined cash benefit claimed upon
the presentation of a legally filed and finalized divorce decree
together with policy documentation to the insurer.
BACKGROUND OF THE INVENTION
 No one gets married with the intention of getting divorced.
However, no one plans on getting sick or injured either, yet there
is accident and health insurance to provide financial assistance
for those events.
 America's divorce rate is nearly 50%, the highest rate among
all nations of the world. Which means that men in the United States
are as likely to get divorced as be diagnosed with Cancer yet no
insurance covers divorce.
 Insurance is provided for nearly every circumstantial risk
except divorce. Yet divorce can be more financially devastating
than serious illness or accident.
 Most divorces happen between year 5 and year 10 of a marriage.
 The average length of divorce proceedings is approximately
1 year. This does not include any child custody or property settlements,
which often take several years.
 The average cost of a divorce is $16,700.
 Women file for divorce more than 3 times as often men. Financial
independence has a direct bearing on whether a woman can or will
initiate divorce proceedings. Women who are dependent on their spouse
for their financial well-being are far less likely to initiate divorce
proceedings even in the worse domestic scenarios unless they have
a support net of family or friends that will support them financially
in their time of need after their divorce.
 The average age at first divorce is between 33-35.
 22% of all divorces occur within the first 3 years.
 38% of all divorces occur within the first 5 years.
 65% of all divorces occur within 10 years.
 90% of all divorces occur within 20 years.
 There are 2.5 million people divorced in the U.S. each year.
 The census bureaus project that 40-60% of second marriages
will end in a second divorce.
 On the average, it takes divorced women about 6-18 months
to get awarded any kind of support (child or spousal). More than
30% never get any money that is due them.
 Divorce is widely accepted by experts as the single greatest
predictor of poverty for women and children. Many will suffer the
financial impact of the divorce for many years. In fact, many divorces
are in part, the result of out of control financial obligations.
 Lack of financial support and limited financial resources
for women and children, especially in the first years after the
divorce is a major factor contributing to poverty.
SUMMARY OF THE INVENTION
 Divorce Insurance is developed to provide financial support
that anyone might need during the period immediately divorce.
 Divorce Insurance is designed to be easily accessible and
applications will be submitted via the internet with no underwriting.
 Divorce Insurance will be sold in "units" equal
to specific dollar amounts.