Term Life Insurance for Mom

Term life insurance for mom is exactly what every mother wants for Mother's Day. Term life insurance for a stay-at-home mom is just as important as it is for the family's primary income earner. Term life insurance coverage can help ensure that the surviving parent would not be forced to work long hours or to take a second job to pay the bills. Find out more about term life insurance and compare rates for free below.

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

Full Bio →

Written by

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Term life insurance is exactly what every mom wants for Mother’s Day, isn’t it?

In 2006, we published a blog titled ‘Life Insurance for the ‘Non-Working’ Spouse.’ Of course, we knew then as we do now, the term ‘Non-Working’ as it relates to a stay-at-home parent is hardly accurate and quite misleading. Anyone who currently is, has been, or knows a stay-at-home parent will tell you it is one of the most challenging roles a person can take on.

And we can tell you from experience that life insurance for a stay-at-home parent is just as important as it is for the family’s primary income earner. Imagine having to replace the work she/he does while continuing your career and raising the children on your own. Not a pleasant thought.

How Much is Mom’s/Dad’s Work Worth

But alas, QuickQuote and Salary.com are here to help! Salary.com’s Mom Salary Wizard is an excellent tool for helping evaluate the work a stay-at-home mom performs and estimating an annual salary for that work (stay-at-home dads can use the wizard also). The results will amaze you!

The average stay-at-home mom salary for 2010 as calculated by Salary.com is $117,867. The average ‘at-home’ salary for working moms is estimated at $71,868 (not counting their workplace earnings). These values are determined by analyzing the time spent performing ten typical job functions. The wizard allows you to enter hours for several different job functions and takes into account regional wages. Some examples include:

  • Housekeeper
  • Day Care Teacher
  • Cook/Chef
  • Van Driver
  • Psychologist
  • Event Planner
  • Laundry Machine Operator

The wizard can be a fun way to estimate the value of mom’s work, but we all know the true value cannot be monetized. For life insurance, you will want to put pen to paper and try to arrive at an annual amount you would need to hire out that portion of the work she does which you would not be able to complete yourself.

Our licensed Insurance Professionals can help you find a life insurance company that is stay-at-home ‘parent’ friendly.

Happy Mother’s Day to all moms, whether you work at home, away from home or both!

Source: Salary.com

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

 Secured with SHA-256 Encryption

QuickQuote is a BBB Accredited Business. BBB