Every month, just like millions of people, we pay tons of money towards insurance. My husband and I have health, life, car, renter and earthquake (the joys of living in California!) insurance. I am extremely happy to have these policies, because they give me a sense of security in the event of a worst-case scenario. However all our policies are pretty conventional. An entire market exists for unorthodox insurance policies. Additionally, there are endless forms of insurance, appropriate for every stage and every aspect of life. It seems that as the industry gets bigger it also gets more unusual.

For instance when we purchased insurance for our wedding celebration we were given the option to also purchase “Change of Heart” insurance in case one of us didn’t make it down the aisle! This insurance covered the costs of the ceremony and reception in a case where the wedding was cancelled, but it was too late to get back deposits.

However, even if you are fortunate enough to tie the knot, but aren’t sure it is going to last, there is an insurance for you. In a recent Time article entitled “Divorce Insurance: Get Unhitched, Get a Payout” insurance for the disenfranchised heart is advertised. Find the marriage dissolution insurance a bad omen? Well there are several other forms of insurance that may be more applicable!

Have a gorgeous head of hair? You can go the route of the Steelers’ safety Troy Polamalu and insure your tresses. Head & Shoulders took out a $1 million policy through Lloyd’s of London on the legendary coif. This is probably a good thing, considering in 2006 football game, Kansas City Chiefs player Larry Johnson dragged Polamalu along the gridiron by his curly locks.