I've looked into it several years ago and a product was trialed, but basically you can't insure events that are bound to happen, you need to bolster the insurance pool.

I and a few others don't have any issue abstracting all topics into their economic realities, including the marriage concept that the state offers in its entity catalogue. I think many more people could do that as well, it is just convenient to deflect and pretend marriage isn't about that, convenient for typically one party in any case.