How Much Life Insurance Should A Stay At Home Mom Have? 
Depends on what your family 's needs are and likely will be . How many kids do you have and what are their ages ? You want to be sure there is enough to help them get through college if not even further . Do you have a mortgage ? Do you want to pass that home to one or more of them ? Cover that mortgage then . Do you want a bit of a legacy , or just ensure they can make it through schooling and the start of their career -LRB- s -RRB- . Start with multiplying your annual income by at least three to five times . Ten times is the optimistic target if you can afford it . You probably want to start with term , or temporary insurance . New York Life has just reduced their pricing for these policies . 