Value every contribution
Include income and the cost of replacing caregiving and household work when estimating the protection gap for each parent.
Coverage for parents
Life insurance for parents: protect income and unpaid care
Parents may need to protect more than a paycheck. Childcare, transportation, household management, education goals, and time away from work can create a financial gap even when one parent does not earn outside income.
Reviewed for clarity and compliance · September 2026
Map dependent years
Consider how long children will rely on financial support and whether the term should extend through education or another milestone.
Coordinate both policies
Coverage amounts do not have to match, but each parent's policy should reflect the financial impact of losing that person.
Ready to make this specific to you?
Use your age, state, coverage amount, term, tobacco use, and general health to create a more useful starting point.
Start my comparisonCommon questions
What shoppers ask
Does a stay-at-home parent need life insurance?+
They may. Replacing childcare, transportation, household work, and other unpaid responsibilities can create substantial costs for the surviving household.
Should both parents have the same coverage amount?+
Not necessarily. Estimate each person's income, care contribution, debts, and the resources that would remain, then choose amounts that address each gap.