![]() ![]() Stay-at-home spouses should have life insurance as they have significant economic value based on the work they do in the home. According to, the economic value of a stay-at-home parent would have been equivalent to an annual salary of $162,581 in 2018. A 20-something adult might buy a policy even without having dependents if there is an expectation to have them in the future. The younger and healthier you are, the lower your insurance premiums.
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