Marriage insurance is a horrible idea. Women will just lie about their notch count, get married to the richest man they can snag, than promptly divorce him to get the payout. Insurance companies will try to screw eligible recipients out of money they’re legally entitled to.

Instead we need to bring back voluntary relationships between individuals. If two people want to live together and/or have sex that’s their business. Neither of them owes the other anything. If a bastard is born then the woman has a bastard but no money. The man has a child but no ability to spend time with him. The solution for the woman of course is to not whelp out illegitimate children like a feral animal. Which is cheaply and easily accomplished considering the amount of birth control currently available to her.

If they want to enter into a legally enforceable contract that creates obligations between them they should be able to do that also. That contract should be allowed to be customized to meet their unique situation, needs, and wants. That contract should also be enforced in a neutral manner the same as any other business contract. As for “marriage” that’s a religious ceremony between the couple, their religious institution, and God. It should have no more legal significance than any other religious celebration. Which is to say none at all.