Insurance coverage

Why stay-at-home partners need life insurance coverage

NEW YORK – March 28, 2022 – (


iQuanti: Life insurance can help any member of a family, not just the family member who provides financial income.

While you may believe that work partners don’t need financial help if a stay-at-home partner dies, you’d be wrong to think so. Stay-at-home partners provide work and benefits to their families who life insurance can help compensate in the event of death.

Stay-at-home partners financially support their family

Stay-at-home partners help their families save money and time on all household activities such as cleaning, cooking, laundry, shopping, and daycare. Although they do not generate revenue for these services, the amount of money saved by having a dedicated family member looking after them is significant.

If your stay-at-home partner dies, you could find yourself spending a lot of money to have these services performed, especially if you don’t have the time to do them yourself. Life insurance can help you manage these unexpected costs without financial hassle.

Cover final expenses for stay-at-home partners

Burial and funeral costs are expensive, regardless of the person. If your stay-at-home partner dies, you’ll need a workable strategy to manage their funeral and burial expenses.

End-of-stay expense insurance is another option that allows you to set aside extra money specifically to cover funeral and burial costs. Not only will final expense insurance get that worry off your list, it will also leave money from a life insurance policy for other vital services and costs.

What type of insurance should stay-at-home partners have?

For most life insurance customers, including stay-at-home partners, term life insurance policies will be your most affordable and sensible coverage option. Term life insurance policies last for a predefined duration (usually between 15 and 30 years) and have much lower costs than their other permanent life insurance policies.

If you’re a stay-at-home partner, you’ll want an affordable coverage option that allows you to take the necessary precautions. Term life insurance can often provide coverage that extends until your spouse reaches retirement age and/or any dependents are able to be more independent.

Get the best rates, no matter what

Even though as a stay-at-home partner you may not be in a risky profession, you will still want to earn a lot on any insurance you may purchase. This can be especially true if your spouse also has a life insurance policy, as two premium payments can add up.

With term life insurance, you’ll get a better premium rate if you apply for coverage earlier in your life. By doing so, you save money over time while covering your family for the costs of working from home.

Feel safe on your terms

Stay-at-home partners contribute time and value to their households, so it makes sense that life insurance policies work to meet their plans.

If both partners can find the right life insurance for their job and lifestyle, they will keep their family financially secure no matter what. This means that your life insurance policies can allow you to enjoy your life, because your preparation for the worst is already taken care of.

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Why stay-at-home partners need life insurance coverage