Some people say buying love insurance gives them a sense of security, making them feel like their partner is in it for the long haul, Mashable reports. "This protects a girl's heart. Thank you [for] being with me for so many years," one woman posted on Weibo, as translated by Mashable. "It's as much money as going for dinner, but it shows your girlfriend a lot of loyalty. In that sense, it's a good deal," wrote a user on Chinese Q&A website Zhihu . It's clear that these insurance firms are betting against lasting relationships — and taking advantage of China's falling marriage rates, which reflect a global pattern. According to The Conversation , in 2015 the number of newly registered unions in China fell 6.3% from 2014 and 9.1% from 2013. And the divorce rate has jumped 6% from 2014 to 2015, with about 3.84 million couples calling off their marriages. Thanks to the practice of gender-selective abortion, there are millions of "surplus" men in the country, which has created plenty of social problems. And the Ministry of Education has publicly shamed unmarried women over 27 by calling them " leftover women " and urged them to lower their standards if they want to find husbands. They face intense pressures, both from the government and from their families. Consider the breakup rate, too: 98% of Chinese couples break up within three years, reports Huize , a Chinese insurance platform. According to The Wall Street Journal , love insurance isn't the only questionable form of insurance being peddled in China. Plenty of policies have sprung up to protect people from unexpected shipping bills, parking tickets, and more.