Posts May Contain Affiliate Links. See Disclosure. All opinions my own.

SAHMs need life insurance, too

This post was brought to you by J Women’s Network and Genworth. All opinions are my own.

Mister had special needs at birth, which led us to the decision that I would not go back to work after my maternity leave was up because we would have had to pay for specialized care for him.  His skin came off very easily, as you can see in his pictures.  So easily, in fact, that the nurses at the hospital advised us not to put clothes on him.  He had his first surgery, on his right “popeye” eye at just 7 days old, had to have multiple ointments and creams, and a special tool to pick his nose since that bulb syringe was useless in his tiny nostrils.  Mister at Birth We did the math, and I would have only made $20 a MONTH going back to work, as an RN, so we became a single income family.  What we didn’t think about, at first, was that I would also lose my company provided life insurance.  We soon realized that stay at home parents need life insurance just as much as the wage earner does.  We do carry life insurance on me.   While I may not bring home a paycheck, my financial contribution to our lifestyle IS substantial.

As a homemaker it is my job is to take care of my family, my children, and my home.  I cannot be easily replaced.  Here is just a sampling of what I do…

    • parent our children
    • play with our children
    • teach our children
    • read to our children
    • referee our children when necessary
    • shop for groceries
    • plan menus
    • prepare meals and serve them
    • clean our home
    • decorate our home
    • wash, fold, and put away laundry
    • wash diapers
    • organize our home (okay, so this is my weakness)
    • run errands
    • shop for clothing, household items, and more
    • provide prayer, first aid, and kisses for boo-boos
    • prepare for and entertain guests


Nearly six years (and three children later) we know that Hubs would have to hire several people to keep their lives running smoothly if something happened to me.  My Kidlets

We think we owe it to our children to hope for the best case scenario (i.e. I am around for a very long time) but plan for the worst case scenario (i.e. I leave this earth too soon, and someone else has to meet my children’s needs).   I personally think a homemaker is worth his/her weight in gold (that means today I would be worth about $3.8 million), but figuring out how much life insurance I need could feel like a daunting task.    Fortunately, Genworth has some great tools for helping us determine how much coverage we need.


Are you a stay at home parent?  Do you carry life insurance?

This post was brought to you by J Women’s Network and Genworth. All opinions are my own.

Posts may contain affiliate links. See Disclosure. All Opinions are My Own
About Virginia

Hi there! My name is Virginia, and I am the author/owner of That Bald Chick. I am a Christian, wife, mother of three, full time homemaker, homeschooler, and ministry volunteer in addition to being a blogger. In my free time *cough* I enjoy reading, writing, taking walks with my family, and listening to music.