The Divorce Insurance: Episodes 11-12 (Final)

10 May 7, 2025May 7, 2025

The Divorce Insurance: Episodes 11-12 (Final)

by Unit

In our final week, our divorce team races towards the finish line to launch their product. Some of them also take time out for self-reflection and reconciliation with their loved ones, while the others make decisions for the future of their romance and other personal relationships.

EPISODES 11-12

Our final week kicks off on a high — especially for Team Leader Na who experiences random pockets of luck here and there on his way to work. He even treats the team to celebratory coffee because he has a good feeling about the day. Then Han-deul accidentally spills her coffee and everything spirals from there. Oops!

Last week’s Influencer Wife and Tired Husband couple decide to get a divorce! But they’re ending their marriage on a good note, thanks to the couples therapy provided by the divorce team. The couple agrees to terminate their policy, so their divorce doesn’t affect the team’s zero divorce mandate. I think. Since the purpose of divorce is to find happiness, the team congratulates the couple on their happy ending. I’m also relieved the show didn’t force them to get back together, because this is one couple that is clearly better apart.

Moving on, Team Leader Na is not about to let a little thing like a client’s divorce get in the way of his lucky day. But he gets home to meet his pissed off wife — who returned to a VERY messy house after her vacation. And worse, she has to remind him about their wedding anniversary because he forgot. “What’s so important about an anniversary when we’ve been together for twenty years already?” Team Leader Na doubles down. But his wife has had enough of cleaning up after him all these years, and she gives him divorce papers. Oops!

Team Leader Na calls Ki-joon and Jeon-man out for drinks and advice. From two divorced men to a soon-to-be-divorced man, the advice is simple: reflect on your actions over the years, and you’ll realize why the missus wants to end things. As Team Leader Na reflects, he realizes how selfish he has been towards his wife. He thought all he had to do was make money and provide a better life for his family. No doubt he had good intentions, but he also took his wife for granted and had minimal presence in the life of his kids. Last week’s phone call with his son abroad was just painfully awkward to watch because had no idea what was going on in the kid’s life.

Team Leader Na admits his mistakes over a heartfelt conversation with his wife. He realizes that while he at least got to live for himself outside of home, his wife never had time for herself because she was buried in housework and childcare. He sincerely apologizes and promises to change his ways one step at a time, and his wife is touched. She acknowledges his contributions and support towards their household, and she agrees to rethink the divorce.

Ki-joon and Han-deul go on a knitting date where she teaches him how to complete his sister’s unfinished knitting. Ki-joon tells Han-deul that his regrets about not fully supporting his sister’s divorce made him decide to always be prepared to end things for himself and his partner if he ever got married — because a divorce doesn’t mean he failed at life. Han-deul then uses a knitting analogy to say everyone has their own wounds and flaws, but that’s still a part of who they are. People just need to carry on with their lives without regrets.

We finally get to see Ki-joon’s ex-wife in passing (sorry, no cameo for us this time), and we learn that their marriage was a bit similar to Team Leader Na’s. Ki-joon was preoccupied with working to build a stable life for them, and he didn’t have as much time for her. Thankfully, she’s in a happier relationship with someone else, and Ki-joon is relieved. He’s also happy with Han-deul, and they promise to make new memories together in their relationship. Han-deul shares that her parents are slowly coming to terms with her divorce — and she resolves to continue confronting things head-on like she did at last week’s family meeting, rather than silently hurting.

The divorce team has one last hurdle to cross before launching their product, and that is making up the numbers to complete the company’s requirements. With two policies left to be sold, Team Leader Na and his wife sign up, and Na’s hoobae from sales proposes to his long-time girlfriend with a policy. Lool. But just when the team is beginning to relax, Influencer Wife announces her divorce on social media, and an article is published that the divorce insurance policy is encouraging divorce. Oops!

The company mandates the team to resolve the negative PR and to spin the policy as encouraging marriage rather than promoting divorce. After several brainstorming sessions, the team reflects on all the couples whose marriages were saved through the team’s intervention. According to Ki-joon, divorce insurance is a tool for couples to reflect and figure out how they got to the point of divorce. The team is able to convince the company that a divorce insurance — and all the add-on services that come with it — is helpful for a marriage just like health insurance is helpful for self care. The company accepts this spin, the FSS finally grants the approval, and the divorce insurance is officially launched! Yaay!

Now that we’re done with all the office stuff, we move on to the romance! Team Leader Na makes good on his promise to be a more devoted husband, by skipping out on team dinners and company retreats, and taking his wife to see the northern lights — which is her long-time dream. Ah-young has her sologamy wedding off screen, but she decides to give Woong-shik a chance. Woong-shik is fine with not getting married, as long as they’re both happy in the relationship.

Na-rae is recalled to the Singapore branch for a new role as CEO(!) and she asks Jeon-man to come with her. Sure, he’s a skilled employee and she needs him in the branch, but she also needs him in her life. Jeon-man agrees to come along — and for a cautious man who’s obsessed with his safety and comfort zones, this is a really big step for him. Since Jeon-man and Na-rae like to have their personal space even in relationships, they agree to live separately in Singapore. Oh wow! Don’t settle, guys. There really is someone out there that’d be willing to accommodate all your quirks.

Remember when Han-deul asked Week Three’s tarot reader client if she’d succeed at a particular task? Back then, she said the task was preventing the client’s divorce, but later on she told Ki-joon she was referring to something else. In the present, Ki-joon asks what Han-deul was referring to, and she replies that she wanted to know if it was possible to meet her twin flame. According to Han-deul, a twin flame is the other part of one’s soul. “It’s difficult to find, but meeting that person leads to a whole new chapter in life and not just a romance.” So, did Han-deul really succeed with the task? Yes, she did. She met Ki-joon.

A lot has changed since Ki-joon first proposed the divorce insurance policy, and the team has to retake the AI risk assessment tests from before. This time, they have different answers to the questions, reflecting their character growth throughout the journey that has been this show. The drama ends with the most important question: are you happy? And it’s a resounding “yes!” from everyone.

Phew! I’m relieved this drama is over, and I don’t have much concluding thoughts since I didn’t enjoy it as much as I’d have liked. The “ROM” did rom enough for me, the “COM” was too exaggerated, and I zoned out of the technicalities when it came to the insurance part. This is not to say the show was all that bad, but it lacked that oomph. If it was bread, it had no yeast. But a number of people enjoy unleavened bread, so The Divorce Insurance can certainly find a home in some hearts.

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1 Mrs Buckwheat

May 7, 2025 at 10:21 PM

Thank you for the great recaps unit.
Unfortunately this show fell flat for me after a promising start.
I didn't care about the guest couples issues per episode.
The romances between the main cast felt too forced and very paint by numbers.
The comedy was cringey and far from funny.
Again with a mature couple sleeping together fully clothed, winter jumpers and all. How is it possible to wake up with LDW and both people remain dressed? It totally kills any believable vibe, why bother inserting the scene.
I'm a bit baffled how this show can become boring with such a great cast of actors.

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2 uhni0317

May 8, 2025 at 12:04 AM

The show was underwhelming and pedestrian, and I am being generous saying that. The talent was there - all 4 won/were nominated for awards, for goodness sake. I was initially stoked to watch Lee Joo Bin taking on a lead role, since i was so impressed by her in QoT, but her character just did not resonate with me, and her romance with LDW felt superficial at times. How is it possible that at times they were outshined by EXY, who had a relatively minor role but actually did a quite decent job with her character. I thought she was the most interesting and captivating character of the lot. It is not a train wreck like The Uncanny Counter 2, but it could have been more palatable.

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3 kdramakat

May 8, 2025 at 4:52 AM

I was excited for this drama because of the cast. The characters were all very likeable but I felt everybody was just phoning it in - there was no spark. I liked the show but it just didn't engage me. I think my favorite part of the show was the sweater Ki-joon knitted.

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4 Kafiyah Bello

May 8, 2025 at 5:38 AM

This was fine. Nothing to write home about and mostly forgettable. It had some cute moments, but that was it really.

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5 welh

May 8, 2025 at 5:51 AM

After failure after failure, should not the Board pulled the plug on this product? The influencer and insurance regulator got their happy ending: a divorce. I don’t know why they signed a contract termination instead of filing a claim if all conditions were met (an insurance regulator would know.) But it kept the non-existent zero strikes alive. Yes, it makes as much sense as “suspended” Director Na-Rae getting a promotion to be the CEO of a Singapore subsidiary. And her offer to take An and his pet rock with her hit like dropping a 20 pound bag of manure in a newly tilled garden. There is a lack of chemistry in any of the couplings. There is no spark, just a fog of regret. Team leader Na’s expected divorce demand from his neglected wife made them have a long delayed serious discussion about Na’s husband and fatherly failures. Ah-Young, the one character with clear life principles, has turned into unexplained drunken zombie mush over a guy liking her. Ki-jun and Han-Deul’s progress was boring.

The finale was filler clips and happy ending for all.

The show did not hit the finish line with any momentum, insight, charm or redeeming lessons. I think one of the big problems was Lee Dong-Wook, Lee Kwang-soo and Lee Da-Hee are all close friends IRL. LKS and LDH had showed great chemistry when together on Running Man. But here, trying to be serious was a serious killjoy. Because of the absurd premise, it should have been a wacky comedy. The FL was introduced as a “smiley nut case” but turned out to be a church mouse. The ML was a one-note, staring-off-in-the-distance look for most of the series.
The story could never convince me the product would work, that it was feasible, or that it had a market (just like in real life). Likewise, the story could not convince me that the three new team couples had any chemistry to last. It was lackluster and underwhelming.

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6 loveblossom🌸

May 8, 2025 at 10:46 AM

This was a mild, nice drama with no big angst or thrills. I liked the pairings: Han Deul + Ki Joon and Na Rae + Jeon Man. They did not have major conflicts or over the top shows of affection. They had a mature, quiet development of their relationships which could lead to things being boring at times.

Team Leader Na was cute with his wife in the finale, but his change was sudden. We didn't see scenes of them together until the finale so their resolution was inserted in late.

Heh, it was nice to see Ki Joon in his knitted sweater. It looked realistic with the bumps and a couple of holes in the knitting. XD

This was the only show I was watching. If I was juggling other dramas that were more engaging, this drama would be the first one to fall by the wayside. It was light and okay, but nothing left a strong impression.

I was happy to see actors I haven't seen in a while. Too bad they did not have a standout drama.

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7 Diana Hansen

May 8, 2025 at 11:08 AM

As much as I love Lee Dong-wook, reading these comments make me happy I dropped it after the 1st episode. Man, there are lots of dramas to watch and not wasting time on one is a win in my busy book. Oh what might have been!

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8 A

May 8, 2025 at 4:24 PM

The show finally ended and it had some whiplash inducing twists and turns or were shoehorned... like, how does an executive/partner/higher up that was suspended for wanting to harm those at her care ends up AWARDED WITH A CEO POSITION?! and to booth, she gets a bf! Guess crime does pay, folks! The main couple felt just like teh couple in the Potato Lab... like they were too in love in such little time that it felt fake... the plots of Leader Na and Ahyoung that could have been interesting, were rushed (sologamy off screen and Leader Na realizing he had to be there in own his life enjoying his family and not just in the rat race) with no real chance to feel the growth or journey of the characters. I was happy LJB got her first leading role but I'd never would have guessed the drama was going to do this badly. I just hope everyone's next project hits big because I will pretend this didnt happen

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9 OldLawyer

May 9, 2025 at 9:36 AM

My enjoyment of THE DIVORCE INSURANCE declined through the show’s second half. What started off as an attempt at old style screwball romantic comedy simply lost its way with a half-baked corporate espionage story arc and confusion as to the direction of the romances.

The show had a stellar cast but no chemistry. When it tried to address broader ideas, like sologamy (which had no place in a comedy) it clumsily pulled its punches. In the end this show was the victim of bad writing.