Life Insurance for Stay-at-Home Parents: Why It’s Essential


Life insurance is often associated with breadwinners who provide financial support for their families. However, stay-at-home parents also need life insurance to protect their families in the event of their unexpected death. In this blog post, we’ll discuss why life insurance is essential for stay-at-home parents.

The Value of a Stay-at-Home Parent

Stay-at-home parents provide valuable services to their families, including childcare, housekeeping, and meal preparation. These services would be expensive to replace if the stay-at-home parent were to pass away. According to a 2020 survey by, the average annual value of a stay-at-home parent’s work is $178,201.

Financial Impact of Losing a Stay-at-Home Parent

Losing a stay-at-home parent can have a significant financial impact on a family. In addition to the emotional toll, families may face unexpected expenses for childcare, housekeeping, and other services that were previously provided by the stay-at-home parent. Life insurance can provide financial support to cover these expenses and ensure that the family can maintain their standard of living.

How Much Life Insurance Do Stay-at-Home Parents Need?

The amount of life insurance needed for a stay-at-home parent will depend on several factors, including the family’s financial needs and the value of the stay-at-home parent’s services. It’s important to work with an experienced insurance agent and financial planner to determine the appropriate amount of coverage.

Types of Life Insurance for Stay-at-Home Parents

Stay-at-home parents may consider purchasing term life insurance or permanent life insurance. Term life insurance provides coverage for a specific period of time, while permanent life insurance provides coverage for the lifetime of the insured.


Life insurance is essential for stay-at-home parents, providing financial support for their families in the event of their unexpected death. By working with an experienced insurance agent and financial planner, stay-at-home parents can ensure that their life insurance coverage is appropriate for their family’s needs and integrated into their overall financial plan.

Request a Quote Today

Ready to find the right life insurance coverage for your needs as a stay-at-home parent? Request a quote today by calling our office at 541-447-6372 or reaching out to us on social media. We’re here to help you find the right coverage for your needs in Oregon, Washington, and the Pacific Northwest.