Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 20, 2020

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You might think that only individuals with an income should get life insurance policies, but every individual should have one. Consider the amount of work that a stay-at-home parent or spouse does on a daily basis. From cooking to cleaning, childcare to transportation, the duties are never ending—in some cases, more work than a full time job. If that individual were to die, who would carry out these duties for the family? And how much would that service cost?

The amount of llife insurance death benefit you should have will vary based on your individual circumstances and family need. Consider all the duties that your spouse will have to take on after your death and add to that the cost of hiring someone to replace you for those that he or she would not do. In addition, your death benefit can lighten the debt load your spouse will carry after your death and help give them some financial cushion.