Christian Living


Dave Says: How Much Life insurance on a Stay-at-Home Mom?

Dave Says
Author Biography

Dear Dave,

I’ve heard you recommend having seven to 10 times your income in life insurance. How much would you suggest having a policy for a stay-at-home mom when there’s no direct income involved?


Dear Dale,

I’d say somewhere in the $300,000 to $400,000 range because financially-speaking it’s going to take $35,000 to $40,000 a year to replace all the things she does. Your wife may not bring home an actual paycheck right now, but there’s a ton of personal and economic value attached to everything she does every day. This lady works hard, what she does is very important and would be VERY difficult to replace!


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