Episode 4 of "The Divorce Insurance" kicks off with Han-deul and Ki-jun fleeing the gridlock, their escape adding an air of urgency to the scene. As Ki-jun departs, Han-deul's countenance falls, haunted by the notion that he might be reuniting with his girlfriend. At this poignant moment, her former supervisor, Jeong-sin, chances upon her. Over a shared meal, Jeong-sin expresses delight in Han-deul's courage to assert herself and pursue a divorce. Their conversation weaves through nostalgia as Jeong-sin, with a hint of longing in his eyes, urges Han-deul to press ahead with her divorce insurance endeavor.
Elsewhere, Ki-jun convenes with Un-hyeong, urging him to procure divorce insurance. The revelation that Jin-ju has passed away plunges Un-hyeong into a spiral of guilt, convinced that her demise is his burden to bear. Flashbacks depict Ki-jun's frequent checks on Un-hyeong, highlighting a regret that he hadn't extended the same care to his sister, implicitly suggesting suicide's dark role. Their shared grief culminates in Ki-jun exhorting Un-hyeong to rebuild his life, lest he too be lost, even if it means seeking solace in newfound love.
Meanwhile, Jeon-man finds himself at the laundromat, meticulously cleaning his sneakers. Na-rae's unexpected arrival disrupts his routine as she pops her teddy bear into the washing machine. His attempted intervention comes too late; the teddy bear explodes in a comical yet chaotic spectacle. Na-rae's puppy-dog eyes soften Jeon-man's resolve, and he finds himself assisting her in the cleanup.
Back at her abode, Han-deul is haunted by the void left by Su-in's absence, the remnants of her furniture serving as poignant reminders. Unable to bridge the emotional gap, she reaches out to Ah-yeong, who finds herself entangled in a blind date orchestrated by her meddlesome parents. Woong-sik, her date, finds Ah-yeong's attempts at rejection amusing. In a bid to scare him off, she flashes the divorce insurance pamphlet, but he seizes it, inadvertently tearing it. Adding to the comedy, hotel singers mistake their encounter for an engagement announcement, bestowing their congratulations. Woong-sik embraces this series of events as fate, while Ah-yeong flees in dismay. He persists, drawn to her fervent dedication to her work. To win her over, he breaks into a dance—a revelation that he's a novice dancer. Though intrigued by the invitation to join him, Ah-yeong, in a final dash of defiance, scampers away.
Na-rae and Jeon-man make their way to a restaurant, where an unexpected drama unfolds as the owner creates a commotion and sweeps away all the money from the cash register. Na-rae's fury ignites, while Jeon-man, with a peculiar twist, offers the owner's wife divorce insurance. Attempting to part ways with Na-rae thereafter, he finds himself persuaded by her to share a meal together. The lunch setting at Jeon-man's place is awkward, as he provides her with a miniature chair to sit on. Yet, Na-rae adapts with grace, savoring the culinary delights despite the odd circumstances.
Elsewhere, Han-deul encounters Ki-jun, breathless and exhausted after running back. Bored and craving coffee, Ki-jun tags along with Han-deul, who happily knits as he drifts into a slumber.
Dae-bok finds himself in solitude, desperately seeking companionship. Shunned by others who mistakenly believe he's promoting insurance, he also harbors jealousy over his wife's status change to single. In a bid to outdo her, he posts a selfie online.
Ki-jun awakens from his nap, surprised by Han-deul's knitting hobby. She shares her passion's reasoning: one slip-up can unravel an entire project. She aspires to master her craft, hoping to avoid future unravelings due to mistakes. Intrigued, Ki-jun expresses interest in learning, aiming to complete his sister's last knitting project. They dive into a conversation about their divorces, with Ki-jun admitting his was rooted in pettiness.
A flashback reveals the first marital discord between Ki-jun and Na-rae. She hesitates to sell her house, cherishing her personal space. He's hurt by her silence, while she asserts that marriage shouldn't engulf one's entire existence. Jeon-man echoes a similar sentiment as he and Na-rae reflect on their own divorces. Jeon-man's wife had an iron grip over every aspect of his life, leading him to realize he too desired independence. Post-divorce, Jeon-man and Ki-jun bond over fishing, and on one such trip, Jeon-man adopts a pet rock—a companion that would never judge him.
At the bustling mall, Su-in and his girlfriend bump into Han-deul, who is engrossed in grocery shopping alongside Ki-jun. Su-in, relentless in his harassment, mocks her incessantly, labeling her a stalker. When Han-deul finally reaches her breaking point and尖叫s back at him, Su-in attempts to retaliate, but Ki-jun steps in swiftly, shielding Han-deul and forcing Su-in to retreat. In a private moment, Ki-jun confides in Han-deul that he was secretly pleased to see her stand up for herself with such courage.
After sharing a lunch filled with tension, Na-rae prepares to leave, vowing to bring her own chair next time, much to Jeon-man's bewilderment, who finds a half-empty teddy bear abandoned in her wake.
Elsewhere in the office, someone surreptitiously delves into the details of the divorce insurance policy, the stakes rising as the narrative of the policy unfolds. With two contracts still pending and the necessity to monitor high-risk couples looming, Na-rae's sarcasm sharpens when she realizes Ki-jun spent the entire previous day with Han-deul.
Undaunted, Han-deul and Ki-jun venture out to consult a physiognomist to pinpoint these high-risk couples. However, lacking paper to outline the criteria, Ki-jun finds himself compelled to draw diagrams directly on the agents' faces, causing a scene that's both humorous and chaotic.
Meanwhile, Dae-bok approaches his buddy Seok-gi, a travel agent, with a proposition to collaborate on countermeasures against the policy. Despite their claims that their marriages are solid, their nervous demeanor betrays their unease, fueled by jealousy over their wives' independent wanderings. A poster of the Northern Lights catches their eye, promising to reignite romance. Intrigued, both men agree to embark on a trip with their wives.
As The Divorce Insurance Episode 4 draws to a close, Ki-jun and Han-deul engage in playful banter, analyzing each other's facial diagrams. When Ki-jun leans in to help erase hers, Han-deul's cheeks blush with shyness. But just as their moment begins to blossom, an FSS official interrupts with news of a policy violation. The pressure mounts for Ki-jun; he must rectify the issue swiftly or risk losing the approval altogether, casting a shadow over their lighthearted interplay.
