Protecting & Creating Income in Divorce™*

Divorce agreements are only as strong as the financial protections backing them up. When your
receipt of alimony and child support payments depends on the continued health and income of
your former spouse, having the correct amount and type of life and disability insurance in place
is not optional. It is essential.

We are a nationwide insurance agency that specializes exclusively in structuring life and
disability insurance policies for divorce-related obligations. Whether your divorce decree
requires court-ordered insurance or you want coverage to protect your receipt of child support
and alimony payments, we can help you secure the right policies to safeguard the financial future
your settlement was designed to protect.

Request a Free Consultation

Speak with a divorce insurance specialist who can help you
with your specific situation.

As Featured In

Find What You Need

How Can We Help You Today?

FOR DIVORCING INDIVIDUALS

I’m Going Through a Divorce

Protect your receipt of alimony and/or child support payments or create the additional income you need to keep your marital home if your income is insufficient. See how we can help.

Explore More

FOR FAMILY LAW ATTORNEYS

I’m a Family Law Attorney

Practitioner resources on how to utilize different types of insurance products to secure your clients’ receipt of alimony and/or child support, along with any other financial obligations the other spouse has to the recipient spouse.

Explore More

WHY THIS MATTERS

The Financial Risk Most Divorce Agreements Leave
Exposed

Your Divorce Settlement Agreement is a legally binding contract, but it cannot magically create money that is not there. If something unexpected happens to your ex-spouse, those support payments can stop overnight.

Did you know? One in four workers will face an accident or illness that keeps them out of work for a year or longer.

Every year, thousands of families lose their financial support because the required insurance was never obtained, was improperly structured, or was quietly canceled after the decree was finalized. Your support payments will stop when your ex dies or becomes disabled and unable to work, even though your mortgage, rent, and other living expenses continue.

Death of Your Ex-Spouse

Without sufficient life insurance backing your settlement, alimony and child support payments will die when your ex does. The court cannot order a deceased person to keep paying. However, you may try to sue your ex’s estate, but this can be an expensive and time consuming legal process with an uncertain outcome, especially if the estate has limited assets.

Disability or Serious Illness

If your ex can no longer work due to an accident or illness, they may go to court to reduce, suspend, or even eliminate their support obligations. Disability insurance is rarely included in Divorce Settlement Agreements, but it should be, since a person is statistically more likely to become disabled than to die.

Coverage Lapse or Cancellation

If your ex owns the policy, they could reduce coverage, cancel it, or stop paying premiums without telling you. That is why policy ownership matters.

Protecting Income

Protect Your Receipt of Alimony & Child Support Payments

As divorce insurance specialists, we work with you and your divorce attorney to make sure that your receipt of alimony and child support payments will be protected by having life insurance and disability insurance in place in the event of the untimely death or disability of your ex-spouse.

Click the button below to find out how this can work in your divorce.

More Information

View FAQs

CREATING income

Want to Keep Your Marital Home but Need More
Income to Refinance?

If you want to stay in your home but do not have enough income to refinance the mortgage into your own name, we can help. Using liquid, non-retirement assets (or certain retirement assets if you are over 59½), we can help you create immediate, additional guaranteed* monthly income that may improve your ability to qualify for that refinancing.

This is a common challenge for divorcing or divorced stay-at-home parents who need to refinance or assume an existing mortgage but fall short on income. We can also help if you are already divorced and need additional income to qualify for a refinancing or a new mortgage.

Click the button below to find out how this can work for your specific situation.

More Information

WHY CHOOSE US

Why Clients and Attorneys Trust Us

Divorce-related life and disability insurance is not general insurance. It requires a deep
understanding of divorce, alimony, child support, and other post-divorce financial obligations, as
well as how divorce settlement agreements and court orders work. This is our specialty.

Exclusive Specialization.

We focus entirely on protecting and creating income in divorce using life and disability insurance to protect your receipt of alimony, child support, and any other financial obligations your soon-to-be ex will have to you. Additionally, if you want to keep your marital home but have insufficient income to qualify for a refinancing or assumption of your existing mortgage, we have a specific annuity solution that might be able to solve that problem for you (annuities are products created by insurance companies specifically to create an income stream). This is not a sideline or add-on service. It is our core practice, and every member of our team is trained in divorce settlement insurance requirements.

Trusted by Family Law Attorneys.

Family law professionals across the country work with us because they know we have a deep understanding of alimony, child support, and all the other financial aspects of divorce and how to use various insurance products to help protect their clients.

Carrier-Neutral Recommendations.

We are not captive to any single insurance company. We shop the market across multiple top-rated carriers to find the best coverage at the most competitive rate for your specific situation.

Recent Coverage

Featured In

Jeff regularly contributes expert analysis on the financial side of divorce.

See published articles for attorneys

See resources for divorcing individuals

Frequently Asked Questions

Is life insurance required in divorce?

Life insurance is not automatically required in every divorce. However, many court orders include provisions mandating that one or both parties maintain life insurance to secure alimony or child support obligations. Not all judges will require it, but you and your divorce attorney should definitely request it. If not court-mandated, it’s up to you and your divorce attorney to make that part of your divorce negotiations.

Who pays the life insurance premiums?

In most cases, the spouse who is obligated to pay alimony or child support is responsible for purchasing and maintaining the required life insurance policy. Some agreements split costs or allow the receiving spouse to maintain the policy at their own expense. All of this should be negotiated up front and included in your settlement agreement so there are no disputes after your divorce is finalized.

How long must coverage remain active?

Coverage must generally remain in force for the full duration of all the financial obligations it secures. For child support, this typically means until the child reaches the age of emancipation (typically 18 or 21, depending on the state). For alimony, the required duration matches the spousal support period that was negotiated.

What happens if required insurance is canceled?

Canceling or allowing court-ordered life insurance to lapse is a violation of the divorce decree. The non-compliant party can face contempt of court charges, financial penalties, or modifications to custody and support arrangements. The recipient spouse may petition the court to enforce the insurance requirement. Unfortunately, in many cases, it may not become known that the insurance policy was cancelled until after the death of the insured, when it will be too late. This is exactly why we strongly recommend that the recipient of support own the policy whenever possible.

What type of life insurance is best for divorce settlements?

Since cost is often a factor, term life insurance is usually the most economical choice for divorce settlement life insurance because it provides coverage for a specific period matching closely with the duration of support obligations. Permanent life insurance policies may be appropriate when obligations are open-ended or when alimony is permanent and therefore requires lifetime coverage. Every divorce is different, and we will work with you to determine which type is most appropriate for your specific situation.

GET STARTED TODAY

Protect Your Settlement. Secure Your Future.

If your divorce requires life and disability insurance or if you need coverage to protect your receipt of alimony and/or child support payments, we are here to help. Our team works with divorcing clients and their attorneys in all 50 states and there is no obligation or cost.

Request A Free Consultation