Do stay at home moms & dads need life insurance?
Even when an adult family member doesn’t work outside the home, life insurance is still worth considering.
One of the reasons for people to buy life insurance 是在他们去世的情况下为他们所爱的人提供经济保障. 人们想要确保家庭的经济负担不会成为负担, 而人寿pp王者电子官网是在父母去世的不幸情况下为家庭提供经济稳定的一种方式. 当父母中的一方呆在家里照顾他们的孩子时，这个问题可能会出现. The spouse that stays home may not generate an income, 所以呆在家里的妈妈或爸爸买人寿pp王者电子官网是值得的吗?
In a word, yes. Here's why. Generally, 当人们开始考虑他们需要多少人寿pp王者电子官网时, they use an income-based rule of thumb, such as multiplying their annual income by 10. 这通常意味着他们不认为呆在家里的爸爸或妈妈需要人寿pp王者电子官网，因为没有收入可以替代. 然而，这种假设是对人寿pp王者电子官网目标的普遍误解. Life insurance is not meant just to replace lost income, it protects your family against financial hardship.
Value of a stay at home parent
许多人呆在家里，由配偶带头照顾年幼的孩子, cooking meals, cleaning the house and running errands, among other tasks. If these caregivers were suddenly gone, 他们的工作配偶可能需要时间来悲伤，并帮助他们的孩子应对失去父母的痛苦. In addition, 他们最终可能需要雇佣其他人来做很多原本由不工作的配偶负责的工作, creating a significant financial burden. According to Care.com, 2021年，保姆照顾孩子的平均每周费用为一个孩子694美元，两个孩子715美元. 考虑到几年来每周的花费，很明显为什么全职配偶需要自己的pp王者电子官网.
In addition, 呆在家里的父母要做的其他事情还有:购买日用品, do laundry, pay bills and check budgets, drive kids to activities, event planning and help with homework. According to salary.com, 据估计，在2020/2021年，全职配偶的工作相当于年薪18.4万美元. In short, 呆在家里的配偶有很多责任，如果家庭突然失去了一个呆在家里的父母, all of these jobs would need to be done by someone else.
How much life insurance is needed for a stay at home parent?
即使对有收入的人来说，确定人寿pp王者电子官网需求也是一门不精确的科学, and that really rings true for a non-earning spouse. 在为留守父母购买人寿pp王者电子官网时，有几个重要的因素需要考虑. Your coverage amount will be influenced by factors like:
- Number of kids in your family -儿童保育费用将与孩子的数量成正比.
- Life style – Whether you live in a big city or in the country, have a small or a big house, 你正计划送孩子去私立学校或参加课外活动, 你可以为你想让你的家人继续拥有的东西负责，在这种情况下需要人寿pp王者电子官网.
- Work in the future -如果你现在在家照顾孩子，但打算将来回去工作, 在计算所需的人寿pp王者电子官网金额时，应考虑到这一点.
- Legacy for your family ——也许你想考虑在孩子长大后给他们留下一笔遗产, or help them with college costs.
- Final expenses 人寿pp王者电子官网绝对可以帮助减轻支付葬礼和所有相关费用的负担.
通过与State Farm®代理人讨论这些话题，您将获得宝贵的见解和信息，以帮助您确定适合您的pp王者电子官网金额. Whether it is term or whole 人寿pp王者电子官网，拥有人寿pp王者电子官网保障可以在最困难的时候帮助家庭. Also use our Calculate My Life tool to help you decide how much life insurance you need.
Get a quote for term life insurance — if you are interested in additional life products, please contact a State Farm agent.
