Insurance for . . . zombie attacks?

Well, no. But in a shaky economy, obscure insurance -- including coverage against kidnapping, divorce and having twins -- is a rare growth industry.

By MSN Money Partner Sep 23, 2011 4:21PM

This post comes from Anne Kadet at partner site SmartMoney.


It's already been quite a year. So far we've endured wars, riots, nuclear meltdowns, crazy weather, a bipolar stock market and a failed apocalypse. Is it any wonder that one of the few bright lights in this asthmatic economy is insurance?


These days, folks hoping to hedge their risks in what feels like an increasingly insecure world can buy policies to insure against identify theft, gadget obsolescence, having twins, kidnapping and divorce. Online scribes invest in blogger policies; anxious brides are buying wedding insurance.


And, of course, if you're concerned about tangling with the undead, a contract with the Zombie Apocalypse Insurance Co. ($15 a year) provides peace of mind, not to mention post-attack car repair, home reconstruction and, if necessary, relocation to a zombie-free locale. (This is not really an insurance company, folks, as the terms and conditions explain.)


Far-fetched or not, providers of niche hedge products say demand just keeps growing. In this risk-averse era, when children wear helmets on the playground and museum guards search our handbags for bombs, Americans will do anything to sustain the illusion that failure and loss can be avoided, given a little careful planning. Consumer spending remains sluggish, but the Life Insurance Marketing and Research Association says spending on long-term-care and disability policies grew more than a third in 2011.


Not all these products are new: A.W.G. Dewar has provided tuition insurance since 1930. Aon Affinity's WedSafe wedding policies have been available for more than a decade, insuring folks against wedding-day hurricanes, blackouts and, worst of all, no-show photographers. Wedding-cancellation policies, which cover deposit losses and trauma counseling, can run several hundred dollars. Post continues after video.

But many hedge products, like Argo Insurance Group's blogger liability coverage and Best Buy's gadget Buy Back Program, are relatively recent innovations. This summer Assura Group launched IncomeAssure, which provides supplemental unemployment insurance in the event of a layoff. And it wasn't until last year that squabbling couples were introduced to SafeGuard Guaranty Corp.'s WedLock divorce insurance, which covers $1,250 in expenses for every $16 in monthly premiums.


The hitch, of course, is that no insurance product completely shields you from catastrophe. If you get laid off, IncomeAssure covers only half your old salary for 24 weeks. A spokesperson says it's intended to close the gap created by state caps on unemployment insurance for higher-income workers.


Steve Dasseos, founder of, says most travel insurance policies refund just a portion of your deposits. And while it may cover legal bills and the cost of creating a second household, divorce insurance won't mend a broken heart.


But these limitations can't squelch demand, no matter how remote the threat. Bart Centre, the retired New Hampshire retail executive behind Eternal Earth-Bound Pets, says he's sold 263 pet-care contracts to Christians concerned about dogs and kitties left behind in the Rapture.


For $135, clients can count on pet-rescue services provided by one of 46 atheists who are guaranteed to remain on earth after the Second Coming. The only factor suppressing sales, he says, is the notion that the Rapture will be followed by Armageddon. Who wants a policy for Fido, he says, "when the world's going to end 20 minutes later?"


More on SmartMoney and MSN Money:


Sep 23, 2011 7:45PM
I have Zombie Insurance, its a 12 Gauge policy with a terminate with extreme prejudice clause.
Sep 24, 2011 4:52PM
What an utterly misleading headline. You say zombie insurance in the title, mention it for about half a paragraph, then spend the rest of the article blathering on about wedding insurance. Whoever wrote this deserves an award in the field of bait-and-switch journalism.
Sep 24, 2011 9:42AM
Sep 23, 2011 5:46PM
How do I get to be one of the atheists who is going to take care of the pets?  I would be thankful to be "left behind"  to be on a religion-free planet with dogs, cats, goldfish, etc...  In fact, that would convince me to believe in a wise and all-knowing almighty being.
Sep 23, 2011 6:45PM
Here's a quote from the fine print on the ZAICO site, just in case there were doubts:

"You further understand and agree that The Zombie Apocalypse Insurance Company “Zaico” is NOT a real insurance company and offers NO insurance coverage whatsoever and is NOT certified or licensed by ANY state or governmental agency to sell insurance. This is a parody and provided for entertainment purposes only. "

Sep 23, 2011 5:49PM
Oh....and I'm an Atheist. I'll watch Mr. Whiskers after you fly away. $175. Cash. Now.
Sep 23, 2011 6:44PM

if this happen does happen the only zombie insureance I will need is a shotgun and good blunt weapon.

Sep 24, 2011 12:35PM

I'm lost, what does religion have to do with zombies I thought it was a bacteria or a virus made by umbrella corp or someone ate a rooted animal like all the movies say. Either way what if the insurers are dead how will they pay or really if you can fix what a zombie does why didn't you prevent it to begin with.


Now isn't that just like an insurance company? After everything is lost some one gives you much less than your worth.

Sep 23, 2011 6:07PM
You would have to be like a total sucker to buy zombie insurance. Whose to say that they would even be around to pay off.  Like, Duh!
Sep 24, 2011 6:32PM

MSN is fluff city B.S.  Why not do some real reporting, or have the powers that be censored any real "news"?    WTF?   A zombie could write more interesting "news"  than the feeble attempts by your staff.  

Nov 8, 2011 1:59AM

After Further Research -


Unfortunately some of these are all too real.  The Rapture policy is real.  I may shake my head about the nutty Campingites, but these shameless opportunists who take advantage of somebody's sincere (if extremely misguided) belief for profit have earned the same level of regard I have for something I'd scrape off my shoe.

Nov 8, 2011 1:48AM
Oh good, new creative ways to prey on people's fear via legal gambling.
May 16, 2014 2:06PM
Sep 24, 2011 4:46PM
Insurance for pets left behind after the rapture? lol. Of all the stupid BS I have ever heard.
To those who believe in this rapture christian **** I can only argue what the hell good is God
if he can't provide for your pets when your whisked away to heaven.
That is if the welfare of your pets is really worth the concern of a God.
To pay for this type of insurance? Barnum was right. There's always a fool or sucker in every
What feeble-minded nonsense.

Sep 24, 2011 11:06AM
If insurance compaines are going to insure "Zombies" how are insurance compaines going to get "paid" with "body parts"?. The last time I looked "Zomoies" are walking "dead" so how are dead people suppose to pay insurance companies?. I think insurance compaines will suck the all the blood of the "Zombies" as payment  then find a way to charge them to be buried. That's what insurance companies they suck the blood of their customers.
Jan 12, 2012 8:45PM
that is **** there is no zombie Apocalypse because its a myth so all end of the wold its a myth too i don't believe in it so shut up already
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