Question:
❓What’s one common thing people forget to include when calculating their life insurance needs?
A) Childcare or household help
B) Mental health support (therapy, grief counseling)
C) Time off work for your spouse or partner
D) All of the above
Answer:
✅ D) All of the above
People size life insurance around the mortgage and lost income, then forget the everyday costs that actually hit hardest—childcare, household help, time off work, and mental-health support. That’s why the answer is all of the above.
The costs most people leave out:
- Childcare and household help—meals, homework, daycare, all the work a second parent was doing every day.
- Time off work—a grieving spouse usually can’t walk back into a full workload right away.
- Mental-health support—therapy and grief counseling, for the kids and the surviving partner.
- Income replacement—the part everyone remembers, but usually for more years than they plan for.
These aren’t extras. The right coverage doesn’t just replace a paycheck—it buys your family time to process, adjust, and find their footing without rushing or falling apart.
Not sure how much you’d actually need? The Which Insurance Is Right for You? course walks through it.
