▲A merchant's "love contract" and service agreement. Image/Screenshot of a merchant's website
"Spend 199 yuan - 520 yuan to buy a love insurance, as long as you get married in 3 years and 10 years, 10,000 roses or 10,000 yuan in cash are waiting for you to get it!" The "love insurance" business launched by insurance companies in 2015 has recently changed a vest to "re-emerge" in the form of a "love contract".
According to the Southern Metropolis Daily, after the reporter's investigation, it was found that the vast majority of these companies that promote "love contracts" were established for a short time, often less than 1 year. In addition, the company is small, the public information is limited, some do not even have customer service telephones, and the service is not guaranteed.
At first glance, this news, love can still make money? As long as people get married at the specified time and limit, they can "get both money", and couples in love will inevitably fall into the routine of businessmen to show their sincerity or show romance.
At this time, you may wish to calm down, the merchant can not do loss-making business, and look at this "love contract", just say more than 3 years of restrictions, you know that this is a "high rate of return and low risk" project, the subtext is: bet you can not succeed.
The "love contract" superficially wishes that lovers will eventually become dependents, but in fact, behind it is the "crooked mind" of "you better not become". Such a "love contract", in fact, can understand its business model after a little thought, but there are still many people who fall into it, especially some campus couples.
The merchants of the "love contract" almost all subdivided the "student version" and "regular version" and other price versions, providing different exchange gifts for roses, cash and diamond rings. According to reports, in a sales store, the student version of 199 yuan sold the largest, more than 1,000 copies. In the introduction of the signed version of the merchant, it is also specially noted that at least one of the signed student version couples is a student in school, and only supports the purchase of secondary school, secondary vocational and university students.
▲ Different versions of the "love contract" also have different prices. Image/Screenshot of a merchant's website
It can be seen that this "love contract" not only targets couples in love, but also teenagers. And these students in school have never done anything, full of yearning for love, once in love, they are eager to prove their love to the world, so it is easier to impulsively consume.
It is worth noting that in the promotion of some businesses, in order to cover a wider group of people, gay people are also included, and according to mainland law, such people obviously cannot obtain a marriage certificate. It can be seen that in order to make money, some merchants even disregard basic common sense and laws. Relevant departments may also promptly intervene in the investigation and handling of such acts that openly publicize acts that violate the spirit of the law.
In addition, from the legal point of view, the "love contract" does not jump out of the scope of "love insurance". But "love insurance" itself is a product that lacks a legal basis. "Love" is a kind of human feeling, which is the emotional relationship between people, and does not belong to the category of personal insurance or property insurance as the subject of insurance as stipulated in the Insurance Law.
Put into civil contracts, the "love contract", is still based on a speculative risk, which not only violates the mainland's system of freedom of marriage, but also violates the principle of public order and good customs of civil law, and its legal effect is debatable.
The "speculative" business under the banner of "love" is obviously full of routines, but it is just a tool to cut young people's "leeks". People in love, in the face of various so-called "temptations", should have more rational thinking.
There are also many ways to witness love, and the last thing couples need is a "love contract" that has no legal significance, which cannot give people the sense of security they need in love, and even increases economic and moral hazard. After all, the final "two empty people's money" is the end that no one wants to see - except for the merchants who plan to do "one hammer" business.
Beijing News commentator | Xu Qiuying
Edit | Li Xiaoxiao
Intern | Wei Yingzi
Proofreading | Zhao Lin