The Divorce Insurance: Episodes 11-12 (Final) » Dramabeans

KDramaHQ AdminMay 8, 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.