A new and surprising idea is going viral on social media: relationship insurance. The concept is being promoted by a startup named ZikiLove, founded by Sohan Rai, who is popularly known online for discussing modern love and commitment. In a world where breakups, short-term bonding, and confusing situationships have become common, this idea has caught attention because it places real value — and real money — on loyalty. The idea sounds unusual at first, but when explained, it shows how today’s relationships are changing and how some people are trying to bring commitment back into dating.
What is Relationship Insurance?
Relationship insurance works in a very simple way. A couple signs up to commit to their relationship for a five-year period. During these five years, both partners pay a small annual amount, known as a premium. If, after five years, they are still together and decide to get married, ZikiLove gives them a large payout. This payout can be up to ten times the amount they invested over the years. However, if the relationship ends before the five-year mark, the couple receives nothing back.
This idea is inspired by traditional insurance, but instead of protecting a car or house, it is designed to protect the emotional investment people make in love. It encourages couples to think long-term and to stay committed even during difficult moments, knowing that a reward awaits if they succeed.
Why This Idea is Trending Today
Modern relationships are very different from the relationships of past generations. People today often date for longer periods, explore multiple relationships before settling down, and sometimes avoid labels or commitment. Social media, dating apps, and fast-paced lifestyles have made forming deep, lasting bonds more challenging.
ZikiLove and its founder, Sohan Rai, believe that adding a financial goal encourages stability. The insurance acts as a promise that says, “If we get through life’s ups and downs together, we will celebrate it in a meaningful way.” For many couples, the payout can also help cover wedding expenses, future planning, or setting up a home. This practical benefit is one of the reasons the concept is receiving so much attention online.
The Emotional and Practical Impact
For many people, the emotional part of love is important, but they also worry about financial security. By combining the two, relationship insurance is seen as a new way to support young couples who want to build a future but face real-world challenges like job pressure or family expectations.
However, some believe that love should not be measured with money. Critics argue that relationships should come from the heart, not from the fear of losing an insurance payout. The idea has sparked discussions about whether this makes love stronger or turns it into a business deal. No matter the opinions, the conversation itself shows how deeply people care about loyalty and trust.
A New Way to Think About Love
ZikiLove’s relationship insurance has introduced a modern, bold, and unconventional perspective on commitment. Whether one sees it as romantic or risky, it encourages couples to reflect on what it means to stay together. It reminds us that love is not just about happy moments but also about patience, effort, and shared goals.
Love has always been emotional — now it also comes with a plan.