Do stay-at-home spouses and parents need life insurance?

Absolutely! Even if you don’t provide an income, chances are you provide a measurable value to your family that would be lost if you passed away.

Think about the free services that stay-at-home parents provide, like childcare and household chores, and how much it would cost to hire someone else to do them. It’s important to make sure the working spouse has a payout to lean on.

daughters hugging their mom
Consider the cost

In the United States, the cost of childcare is extremely high. According to the Economic Policy Institute, in most U.S. states the cost of infant care can exceed the average cost of in-state college tuition at public 4-year institutions. According to the same study, the cost of childcare for one 4-year-old can range from $300 per month to $1400 per month throughout the country. found that stay-at-home parents contribute the equivalent of a $162,000 annual salary to their families. So even if you don’t have a 9-5 job but you take care of your children, you provide meaningful support to your family. And you can put a price on it.

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