How Much Life Insurance For A Stay At Home Mom? 
Certainly Mom needs life insurance , I never forget about Mom . I like to ask Dad , if Mom dies today , how much help would you need ? Depending on the age of the children expenses could include a nanny , daycare center , housekeeper , cook and an errand service . I have added up expenses with families in more affluent areas north of $ 80,000 per year . In life insurance the general rule of thumb is ten times that expense or $ 800,000 face amount . This way the money can be invested and used annually to pay for those ongoing expenses . 