The premiere episode of "The Divorce Insurance" kicks off amidst the bustling ambiance of a wedding exposition. Engaged couples eagerly peruse discounted merchandise and services, eagerly anticipating their upcoming nuptials. Suddenly, the quartet of Noh Ki-jun, Kang Han-deul, An Jeon-man, and Ah-yeong disrupts the joyous atmosphere with their unconventional offering – a divorce insurance policy.
Ki-jun passionately argues that preparing for divorce is equally as crucial as wedding preparations. However, the couples react negatively, prompting him to unleash a rant about alimony and the emotional turmoil of divorce, likening it to an unforeseen accident. His team, characterized by their clumsy demeanor and awkwardness, only exacerbates the situation, with Jeon-man inadvertently embarrassing himself. Frustrated, the customers chase them away. As they seek refuge, Jeon-man confronts Ki-jun, highlighting the policy's high-risk nature. Just as the conflict threatens to escalate, one curious customer returns, seeking more information. Ecstatic, Ki-jun asserts that both weddings and divorces can ultimately lead to happiness.
A flashback to three months prior reveals Ki-jun brooding over his failures. In a haunting nightmare, we glimpse the roots of his predicament. He and his boss, Na Dae-bok, are the sole survivors of a once-thriving product development team. Each of Ki-jun's endeavors has met with failure. Suddenly, the God of Insurance intervening, declaring that insurance holds the key to happiness. Ironically, Ki-jun's unhappiest moment was his own divorce.
Back at work, Dae-bok's wife, So-jeong, reveals her intentions to divorce him. At this poignant moment, Ki-jun strides in with his revolutionary idea for a divorce insurance policy, delivering a compelling pitch that captures the room's attention.
Elsewhere, at a mall, Han-deul, a freshly divorced underwriter, grapples with the stark reality of her solitude. As she realizes she has inadvertently purchased groceries for two, the emotional dam bursts, and she breaks down in tears.
Back at the office, Ki-jun is in full swing, convincing his colleagues about the far-reaching consequences of divorce. He enumerates not only the financial strain of alimony but also the profound mental scars, strained relationships, and the upheaval in living arrangements it can cause. Amidst this discourse, Jeon-man stands as the lone dissenter, an unusual occurrence given his usual silence. Their verbal sparring reveals that Jeon-man, too, has been down the divorce lane, contrasting sharply with Ki-jun's triple trip to the altar. Jeon-man, curious about Ki-jun's marital spree, prompts the latter to confess that monogamy eludes him in casual encounters.
Elsewhere, Han-deul sits in a trance, her fingers busily knitting while her mind drifts back to a painful memory. Flashbacks paint a picture of her ex-partner stripping her life bare; the house, technically hers, now encumbered by a mortgage for his café. He had also borrowed heavily from her mother, and when she dares to seek repayment, he reproaches her for breaking her word. Their exchange is laden with pettiness; he nitpicks her semantics while she labels him a failure.
Elsewhere still, Ki-jun's relentless work ethic prompts Jeon-man to whisk him away for lunch, a break that reveals their long-standing friendship. Over meals, Jeon-man pries into Ki-jun's guarded past marriages, learning that each union crumbled due to fundamental differences. Intriguingly, Ki-jun's first wife sought an open relationship. Jeon-man, whose own marriage ended because his wife didn't reciprocate his feelings, chooses to leave rather than fight, earning him a rebuke from Ki-jun as a coward.
Turning back to Han-deul, her solitude is interrupted by Ah-yeong, a colleague of Ki-jun's. Ah-yeong, fresh from a broken engagement, intends to keep all the gifts as compensation for her financial losses. She scorns Han-deul's unassuming nature, believing it invites exploitation. As Han-deul prepares to embark on a new journey at an insurance company, Ah-yeong offers her a makeover – transforming her into a cheerful yet slightly eccentric figure.
Han-deul's exhilaration dimmed upon returning home to discover an abandoned mattress as the sole remnant of her belongings. Determined to discard it, she wrestled with the cumbersome item, struggling to lug it outside. Just then, a stumbling, intoxicated Ki-jun emerged, mistaking the moving mattress for a sentient being. Their paths collided in a chaotic tumble, both landing in a heap atop the mattress. A blanket, as if orchestrating a comical twist, enveloped them, leading to an unexpected arrest for public indecency.
At the police station, their bickering over the sequence of events escalated. An officer misused the word 'evasive,' prompting Ki-jun to correct him, an act that impressed Han-deul. Recognizing her as the tearful woman from the mall, Ki-jun offered an apology and darted out with Han-deul, who reluctantly agreed to a truce. He warned her not to renege on their deal, lest he lose all respect for her. Convinced they would never cross paths again, they parted ways in a huff.
Back at the office, Ki-jun's brainchild proved a resounding success. The applicant pool consisted entirely of individuals genuinely seeking insurance for themselves. Ah-yeong, though eccentric, was hired nonetheless. Jeon-man joined as the risk surveyor, while Han-deul's arrival added an awkward layer to the mix. She launched into a discourse on divorce statistics and the significance of context, leaving Ki-jun impressed and leading to her hire.
A quantitative analyst, an executive vice president from the Singapore branch, was set to join the project. Adding to the stakes, the CEO's daughter was on the brink of divorce, prompting a desperate need for her insurance. Suddenly, the pressure mounted.
As the first episode of "The Divorce Insurance" drew to a close, the team gossiped about the upcoming quant, who dismissed human emotions in favor of quantitative analysis. Amid their playful squabbling and antics in the elevator, the quant herself arrived—none other than Na-rae, Ki-jun's ex-ex-ex-wife, adding an unexpected and intriguing twist to the tale.
