Does A Stay At Home Mom Need Life Insurance? 
Purchasing life insurance as a stay at home mom makes sense in most cases . Just because there is not an income to replace , there is certainly an expense to replace . Having my wife as a stay at home mom for many years , I would not have considered not insuring the risk of her early death . Having a stay at home mom allows working men the time to earn a good living while not having to worry about other things . A stay at home mom not only cares for the children , but cooks , cleans , runs errands , pays bills , handles household affairs and much more . If the stay at home mom were to die , it would cost an estimated $ 80,000 per year to hire child care , a cook , a housekeeper and someone to run errands just so the household stayed intact and life could continue . I would consider your exact replacement expenses and the number of years before the children are self sufficient . Purchase ten times that amount in life insurance . It is a risk too large to ignore . 