The Divorce Insurance- Episodes 3-4

“AI, In-laws, and a Limo That Got Stuck”

Episode 3 of The Divorce Insurance hits the gas on the chaos — literally and emotionally. From tangled family history to AI-powered matchmaking, and even a wedding where the couple doesn't show up, this episode proves that nothing about this team (or their product) is going to be smooth sailing. And we are so here for it.

😴 Sleepovers, Scandals, and Suspicious Phone Calls

We kick off with Han-deul in a dream sequence — she's falling as her crocheted red balloon unravels. Metaphor alert: her emotional stability is clearly hanging by a thread.

Meanwhile, the team has pulled an all-nighter at Ki-jun’s place to figure out how to keep the divorce rate for their 30 new clients at zero. But nothing screams "professional brainstorming" like waking up to find your male coworkers in the same bed, mid-panic.

Things get messier when Han-deul puts all 30 contracts on hold. Why? Flashback to the infamous in-laws from the wedding fair: they both wanted divorce insurance... but couldn't agree on the policy terms. Classic.

Now all the couples are showing up — and most of them are fighting. One half wants the insurance, the other half thinks it's an insult. Ah, romance.

💻 Enter the AI Matchmaker (And the Worst Sample Ever)

To weed out couples likely to stay married, the team decides to train an AI model. It goes surprisingly well... until they realize they need examples from remarried people. Enter Oh Jeong-do, a smug coworker everyone loathes but who fits the criteria. The team reluctantly brings him in.

AI training time becomes confession hour:

• Dae-bok’s marriage? Lifeless.

• Ki-jun’s track record? A PR disaster.

• And Jeon-man? Still bitter and awkward.

We also get a key flashback: Ki-jun’s younger sister, Jin-ju, once wanted to leave her unhappy marriage. But young, know-it-all Ki-jun convinced her to stay. She walked away hurt, leaving behind a green piece of knitting meant for him. Guilt? Unlocked.

🤖 Love Tests, Awkward Contracts, and PDA Assessments

Back in the present, the CEO doubts this whole thing will work, but Na-rae stays poker-faced. Just then, all the on-hold couples return for vetting. It’s like watching couples' therapy in real time — some are sweet, others are trainwrecks, and some can't stop making out. The AI’s got its work cut out.

Even the legendary in-laws show up again and, shockingly, manage to settle on terms that satisfy them both. Jeon-man ruins the vibe by joking about canceled weddings. Ki-jun swoops in with his patented “sad puppy” routine, wins them over, and scores an invite to the wedding.

Meanwhile, the CEO and Na-rae secretly plot to launch the product under their names. Office snakes? Absolutely.

🥂 Limos, Elopements, and Champagne Chaos

With 30 couples successfully insured (yay!), Dae-bok rushes to tell Na-rae before anyone else can. Petty? Of course. Expected? Totally.

Later, Ki-jun and Han-deul bump into each other while taking out the trash — the new official setting for vulnerable chats. He confesses he’s afraid the product might ruin happy marriages by planting seeds of doubt. Han-deul reassures him: no marriage is bulletproof, and maybe he finally understands his sister now.

Next stop: the in-laws’ wedding. Except — plot twist — the couple elopes. So the in-laws decide to hold the wedding anyway, just without the bride and groom. Honestly, 10/10 commitment. Ki-jun gets the crowd to clap, turning the awkwardness into a celebration. The in-laws reward him with an empty limo they no longer need.

So, Ki-jun and Han-deul drink champagne and cruise around... until the limo gets stuck in a tiny alley, causing a full-blown traffic jam. Naturally, Ki-jun tells Han-deul to channel her “smiley nutcase” energy and they escape on foot — cheered on by strangers who think they’re eloping. Iconic.

😬 Trouble Ahead

Just when things seem to settle, 5 of the contracts get rejected. Oh, and that mysterious person Ki-jun was sweet-talking on the phone? They skipped the salon appointment he made for them.

Ki-jun dashes off alone to a museum, determined to fix both problems at once. And then — bombshell — we find out who the mysterious person is.

Un-hyeong, Jin-ju’s husband, works at that museum. Ki-jun asks him to sign up for a divorce insurance policy.

Oh. It’s personal now.

“Knots, Contracts, and Close Calls”

Episode 4 of The Divorce Insurance proves this drama is not just quirky — it’s quietly becoming one of the most heartfelt, hilarious, and unexpectedly emotional shows out there. Between a runaway limo, teddy bear explosions, and a very awkward face-drawing session, we get deeper insights into our characters’ emotional knots — and it’s getting harder not to root for every single one of them.

🏃‍♀️ Runaways, Regrets & Reunion Meals

We pick up right where Episode 3 left off — Han-deul and Ki-jun ditching their champagne limo and running from a traffic jam. But while Ki-jun peels off to take care of mysterious business, Han-deul’s left looking heartbroken, convinced he’s off to meet a girlfriend.

Surprise twist: he’s actually meeting Un-hyeong, Jin-ju’s widower. Turns out, Jin-ju (Ki-jun’s sister) is gone — and the grief between the two men is real. Their tearful conversation reveals regret, guilt, and a subtle but powerful reveal that she likely took her own life. Ki-jun’s push for Un-hyeong to get divorce insurance becomes more than business — it’s him trying to save someone before it’s too late again.

Meanwhile, Han-deul runs into her ex-boss Jeong-sin, who is thrilled she finally left her toxic marriage. Their lunch is a warm, gentle moment — and Jeong-sin becomes an unexpected cheerleader for the divorce insurance project.

🧸 Laundromats, Blind Dates & Exploding Bears

Jeon-man is just trying to wash his sneakers when Na-rae drops in and tosses a giant teddy bear into the washer. Spoiler: it explodes. He helps her clean up, despite her weaponizing her sad puppy eyes. These two are a mess — but it’s a dynamic I didn’t know I needed.

Ah-yeong, meanwhile, is very much over her parents setting her up. To scare off her blind date, Woong-sik, she whips out a copy of the divorce insurance policy. But instead of running, he becomes more interested — especially after a miscommunication ends with hotel singers congratulating them like they just got engaged. Woong-sik, who turns out to be a dancer (??), starts busting moves in the middle of their chaos. Ah-yeong bolts.

Honestly, 10/10.

🧶 Knitting Wisdom & Confessions Over Coffee

Back in emotional land, Ki-jun, exhausted from his sprint, ends up tagging along with Han-deul for coffee. She knits peacefully while he naps, and when he wakes up, she drops some wisdom: knitting teaches her that one small mistake can unravel everything. She’s trying to get better — so she won’t fall apart over little things anymore.

Ki-jun wants to learn too — to finish the piece his sister left behind. And slowly, their casual coffee turns into something much deeper.

💔 Flashbacks, Pet Rocks, and Exes Everywhere

We get glimpses into both Ki-jun’s and Jeon-man’s failed marriages. Ki-jun and Na-rae’s first fight? It was over space. She wanted her own place, her own independence — and he took it personally. Meanwhile, Jeon-man’s ex micromanaged his entire existence, and after the divorce, he bought a pet rock. Yes, really. Because it wouldn’t judge him.

Somehow, that’s... kind of profound?

🛒 Grocery Store Drama & Redemption

While grocery shopping, Han-deul runs into her smug ex Su-in and his new girlfriend. He tries to provoke her, calling her a stalker. Han-deul finally loses it and yells at him — and when he tries to retaliate, Ki-jun steps in. He doesn’t throw a punch, but his support is fierce and clear. Afterward, he tells Han-deul he was proud of her for standing up for herself. Cue the warm fuzzies.

🪑 Lunch Dates, Leftover Bears & Secret Snoops

Na-rae ends up having lunch at Jeon-man’s, where she sits on a tiny chair and leaves behind the stuffing-less teddy bear. It's weird, cute, and has “emotional metaphor” written all over it.

Back at the office, someone is sneakily going through the divorce insurance policy. Something shady’s coming.

😬 Policy Pressure & Face-Drawing Psychics

Two more contracts to go — but now the team has to monitor high-risk couples too. Na-rae snipes at Han-deul for spending the day with Ki-jun, but Han-deul holds her ground.

So, what’s the solution? They consult a physiognomist (a face reader) to help identify risky couples. But the guy has no visual aids, so he literally draws diagrams on everyone’s faces. It’s absolute chaos.

Meanwhile, Dae-bok and his friend Seok-gi (a travel agent) admit they’re jealous of their wives living their best lives. In a desperate attempt to revive their marriages, they agree to book a Northern Lights trip to spark some romance. Desperation has never been this wholesome.

💥 Trouble in Paradise

Just when things seem to be falling into place, the final scene hits: Ki-jun and Han-deul are giggling, wiping face diagrams off each other — very close and very flirty — when an FSS official storms in.

Apparently, the policy violates regulations. If Ki-jun doesn’t fix it, approval will be revoked.

Cue the dramatic music.

DramaZen's Opinion

Okay, I don’t know how The Divorce Insurance keeps pulling this off, but Episodes 3 and 4 had me laughing, tearing up, and then laughing through the tears. This show continues to be the perfect cocktail of weirdly specific comedy and gut-punch emotional moments. We’re not even halfway through, and I’m emotionally invested in characters who sell divorce insurance, knit through their trauma, and keep running into exes like it’s a sport.

Let’s break it down.

🧶 Episode 3: Sleepovers, Secrets & 30 Contracts of Chaos

First off, I love that the team basically ends up having a slumber party at Ki-jun’s place to figure out how to prevent their insured couples from divorcing. Naturally, it starts with Jeon-man and Ki-jun waking up in the same bed, horrified, and somehow only gets messier from there.

Highlights:

• Han-deul’s sad little red balloon dream? A perfect metaphor for her emotional unraveling.

• Ki-jun’s visit to Un-hyeong hits HARD. When we find out Jin-ju (his sister) died and it wasn’t just a tragic marriage but possibly suicide? Oof. It turned the show from quirky to quietly devastating.

• The AI vetting process is such a fun concept, especially when it’s used to dig into everyone’s baggage. Watching Dae-bok flounder while pretending his marriage is “fine” was oddly satisfying. Also, bring back Oh Jeong-do — he’s the worst and I love it.

• The in-laws coming back and finalizing their weirdly sweet policy? Peak comedy. Peak chaos.

• Limo champagne ride turning into a traffic jam + public clapping? Iconic. Only this show could turn a traffic jam into a romantic escape.

🧸 Episode 4: Knitting Lessons, Ex Encounters & The Face-Drawing Psychic

This one had so many tender moments — but also, it gave me a teddy bear explosion at a laundromat. Perfection.

• Han-deul and Ki-jun’s dynamic is evolving so naturally and ugh, I’m starting to ship them hard. The knitting scene? When he wants to finish Jin-ju’s last piece with her? Adorable. Sad. Soft. GIVE ME MORE.

• Jeon-man and Na-rae continue to confuse the heck out of me, in the best way. Are they trauma-bonding? Do they actually like each other? Is she just emotionally dumping her life into his apartment one teddy bear at a time?

• Ah-yeong’s blind date turned dance performance?? Comedy gold. I want that guy to stick around. Let him be the lovable himbo side character this show didn’t know it needed.

• Su-in showing up and acting like Han-deul’s some clingy ex? Instant rage. But her screaming at him and Ki-jun stepping in like a low-key hero? Yes. Give her her dignity back, thank you.

• The physiognomist drawing diagrams on people’s faces to identify “high-risk” couples?? I screamed. I wheezed. It was ridiculous. I loved it.

And of course, the tension ramps up right at the end. Just when Ki-jun and Han-deul are having their “oops-we’re-flirting” moment, BAM — policy violation alert. Because of course.

Final Thoughts

Episodes 3 and 4 hit the sweet spot between heartfelt and hilarious. Every character has layers — no one’s just comic relief or emotional punching bag. And the show keeps finding new ways to explore love, loss, and second chances… while also throwing in runaway limos, dancing dates, and teddy bear stuffing explosions.

I came for the concept. I’m staying for the characters.

Also, if Ki-jun doesn’t kiss Han-deul soon, I’m gonna knit a red balloon and let it unravel dramatically in protest. You’ve been warned.

Bring on Episode 5.