Question:
❓If one spouse stays home to raise the kids, how much life insurance coverage do experts often recommend for them?
A) None—since they don’t bring in income
B) Enough to cover 1 year of household expenses
C) $250,000 flat amount
D) Enough to cover childcare, household work, and future needs (often hundreds of thousands of dollars)
Answer:
✅ D) Enough to cover childcare, household work, and future needs (often hundreds of thousands of dollars)
Here’s why:
A stay-at-home spouse may not earn a paycheck, but the value they provide is massive.
If something happens to them, the surviving spouse would likely need to cover childcare, household management, meals, transportation, and more.
On top of that, there’s the reality of grief. Most people can’t just bounce back and work at full capacity after losing a partner. Income may suffer, time off may be needed, and stability at home becomes even more critical.
That’s why stay-at-home parents need real coverage—not just the working spouse.
