How Much Life Insurance Do You Need For A Stay At Home Mom? 
Dear Stay @ Home Mom , I agree with David . It depends . It depends on the family situation and financial condition in the event that the Stay at Home Mom would pass away and no longer be able to contribute to the family . Above and beyond the emotional/social value of the parent , there is an economic value that is considered . You may have heard the term `` Human Life Value '' in relation to life insurance . As difficult as it is to do this , it is an attempt to place a monetary value on the contributions of the person who passes away . In the case of a Stay @ Home Mom , the income of the working spouse in addition to the family savings allows the mom to stay home and take care of the children . If she passed away , the surviving spouse would most likely have to pay for day care . So simply projecting out just the additional cost of daycare could be a starting point ... I hope that sheds some light on it , and hopefully that serves as a starting point to talk to a local professional who can help you and your spouse choose the best life insurance coverage for you ! 