Episode 12 of "The Divorce Insurance" unfolds with the tender scene of Ki-jun and Han-deul waking up entangled in the sheets. Elsewhere, Ah-yeong, walking her dog, bumps into Woong-sik, who catches a glimpse of her sologamy ring sparkling on her finger. She cleverly feigns arranging a blind date for him, using it as an opportunity to reintroduce herself with a charming flair. Despite her declared stance against marriage, Woong-sik, driven solely by her well-being, readily agrees to accompany her, his heart unwavering in its devotion.
As for So-jeong and Dae-bok, have they mended their ways? Dae-bok finds himself still on relational probation but strives to turn things around. He can be seen dutifully grocery shopping alongside So-jeong and lending a hand with the laundry, efforts that speak volumes of his sincere intentions. The lure of joining social gatherings, often accompanied by libations, tempts him, yet he resolutely resists, cutting down on his drinking.
So-jeong too enrolls in the divorce insurance program, comprehending its underlying promise. She embraces the notion that their shared aspiration has always been to build a prosperous life for their family, and this policy serves as a steadfast guardian of that dream. Dae-bok, yearning to go further, decides to orchestrate an unforgettable experience—a journey to witness the Northern Lights, a long-cherished wish of So-jeong's. His playful antics remain intact, but his doting nature shines through brightly. When the celestial display finally unfurls across the night sky, he whimsically compares them to insurance, guarding the Earth from cosmic storms. Though initially exasperated, So-jeong is soon amused by his quirky analogy. With a heartfelt declaration, she dubs him her "Northern Lights for life," subtly signifying her reconciliation and acceptance of him once more.
Has the divorce insurance policy seen the light of day? Chang-hee approaches his fiancée of seven years with this novel concept, aiming to reassure her weary heart, tired of his constant preoccupation. She, weary of endless waiting, receives his apology with a mixture of relief and resentment. He presents her with the policy, a tangible assurance of their impending nuptials, emphasizing that it's not a prelude to separation but a pledge of unity. Touched by his sincerity, she consents, thus resolving the quota dilemma.
However, a new obstacle arises. A report surfaces, erroneously linking Yeo-reum's divorce to the very policy they've been championing. This generates negative publicity, casting the insurance in an unsavory light as if it encourages marital dissolution. Consequently, the Financial Supervisory Service withdraws its approval.
After a heart-to-heart with her parents, Han-deul confides in Ki-jun about their communication barriers but vows to speak her mind, even if it stings. Her introspection sparks an idea in Ki-jun: to reposition the policy as a self-care program. By framing their divorce prevention strategies as tools for nurturing both marital bonds and mental wellbeing, they secure the FSS's blessing once again. The policy is launched to great acclaim, boosting Plus General Insurance's stock prices.
As for Jeon-man and Na-rae, their journey takes a tentative turn. Na-rae attempts to gauge Jeon-man's feelings by inviting him to a movie date, but his preoccupation with resolving the promotional crisis prompts him to send her home prematurely. Perplexed, she little knows that he intends to reveal his heartfelt answer once the policy is off the ground.
With the policy successfully launched, the task force disbands, and they celebrate their camaraderie with a beach retreat filled with laughter and libations. Jeon-man seizes the moment to confess his feelings, only to find Na-rae drifting into slumber. Disheartened, Na-rae ventures to the airport solo, nerves jangling. To her delight, Jeon-man arrives at the eleventh hour, apologizing for not finding the perfect moment earlier. He expresses his eagerness to accompany her, and her joy knows no bounds as she kisses him passionately. With a playful warning about wanting her own space, he readily concurs.
How does everyone's journey conclude? During their beach excursion, Ah-yeong thoughtfully selects a restaurant for dinner, ensuring Woong-sik can partake, much to the amusement of their task force peers who teasingly call her out. She brushes it off with ease, her heart joyfully entwined in an unspoken bond with Woong-sik. The group's spirits dampen, however, upon learning of Na-rae's impending departure. Ah-yeong proclaims her as a beacon of inspiration, while Han-deul shares how she's finally grown comfortable in Na-rae's presence. Na-rae maintains a composed facade, yet cherishes the endearing term "older sister" bestowed upon her by the girls.
Post-dinner, Ki-jun inquiries about Han-deul's tarot query, piquing his curiosity. She confesses her wonder about encountering her twin flame, revealing she had recognized him on the day they played with the payphone. Similarly, he had known from the supermarket encounter when he witnessed her tears. Their mutual acknowledgment leads to a tender kiss, followed by an embrace that encapsulates their deep connection.
Days later, Ki-jun has meticulously completed his sister's sweater, and Han-deul, in a matching gesture, has crafted one for herself. Contemplating their next steps, Ki-jun offers to embark on new adventures together, his company a constant comfort.
The Divorce Insurance's Episode 12 epilogue presents the task force undergoing one final criteria test, this time with answers that mirror their personal growth and evolution. As Dae-bok tidies his desk, Ki-jun strikes upon an ingenious idea for pride insurance, which promptly elicits a emphatic 'no' from Dae-bok, punctuating the scene with a touch of humor amidst the poignant wrap-up.
