Do Stay-at-Home Parents Need Life Insurance?

A stay-at-home parent may not earn a paycheck, but they often provide thousands of dollars worth of support that keeps a household running. Childcare, transportation, meal prep, scheduling, and day-to-day stability all carry real value. If something unexpected happens, a family may suddenly face major costs just to replace the help they depended on every day. That is why life insurance for a stay-at-home parent is often less about income replacement and more about protecting the family’s ability to function, adjust, and stay financially steady.