Life insurance for stay-at-home parents

How old is your youngest child?

Expecting a baby? Enter 0.

years old

Our guide says cover often runs 18 to 22 years from now, or until the youngest child is independent.

Until 18Through high school Until 22Through college age

Your estimate. Daycare, a nanny, or before- and after-school care, averaged over the years. Our guide’s example uses $18,000 for two young children.

Your estimate. Cleaning, laundry, meals, driving and errands. Our guide’s example uses $9,000.

Your estimate. Reduced hours, no travel or leave, for the first few years. Our guide’s example uses $25,000. Enter 0 if none.

Include policies through the other parent’s job, which usually end if that job does. Enter 0 if none.