How Much Life Insurance For A Stay At Home Mom? 
The maximum amount of coverage carriers generally approve for a stay-at-home spouse -LRB- or even if they 're just temporarily unemployed -RRB- is going to be up to the face amount the working spouse has in place , regardless of whether it 's term or permanent coverage . A good way to figure out how much coverage is appropriate for a non-working spouse is what expenses would be incurred you need is what expenses would be incurred if the stay-at-home spouse passed away . This can be a wide range of things including the cost of daycare -LRB- if you have kids -RRB- , what it would cost to hire someone to do the services the stay-at-home spouse did during the day , funeral expenses , etc. . From there , you 'll want to look at how long do you need that coverage for ? Til the kids are out of the house ? til the house is paid off ? til you 're retired ? longer ? Perhaps you need a higher amount of coverage now and less coverage later . Many people often have a hard time finding the right balance point of amount of coverage and length of coverage . This is where working with an independent insurance agent can come in handy in helping you determine what insurance policy structure will be most suitable to cover the needs at hand . Send me a message if I can be of help . 