妈妈们要呆在家里吗 & 爸爸需要人寿pp王者电子官网?

这是人们购买的原因之一 人寿pp王者电子官网 is to offer financial security for their loved ones in the case they pass. People want to make sure their family’s financial obligations are not a burden, and 人寿pp王者电子官网 is one of the ways to provide that financial stability for a family in the unfortunate case that a parent dies. When one of the parents stays home to care for their children, this question may come up. 呆在家里的配偶可能无法产生收入, so is it worthwhile for the stay at home mom or dad to have 人寿pp王者电子官网?

一句话，是的. 这是为什么. 一般, when people start to think about how much 人寿pp王者电子官网 they need, 他们使用基于收入的经验法则, 比如把年收入乘以10. That often means they don't think a stay at home dad or mom needs 人寿pp王者电子官网 because t在这里's no income to replace. However, that assumption is a common misunderstanding about the goal of 人寿pp王者电子官网. 人寿pp王者电子官网不仅仅是为了弥补收入损失, 它保护你的家庭免受经济困难.

呆在家里的父母的价值

Many stay at home spouses take the lead in caring for young children, 做饭, 打扫房子和跑腿, 在其他任务中. 如果这些照顾者突然消失了, their working spouses would likely need time to grieve and to help their children deal with the loss of a parent. 除了, they may eventually need to hire someone else to do many of the tasks the non-working spouse was in charge of, 造成严重的财政负担. 根据 护理.com, the average weekly rate for child care with a nanny in 2021 was $694 for one child and $715 for 2 children. Consider that weekly expense over several years and it’s clear why stay-at-home spouses need their own coverage.

除了, other tasks that a stay at home parent does are: shop for groceries, 洗衣服, 支付账单，检查预算, 开车送孩子参加活动, 活动策划和辅导家庭作业. 根据 工资.com, it is estimated that the work of a stay at home spouse in 2020/2021 was similar to earning a 工资 of $184k a year. 简而言之, a stay at home spouse has a lot of responsibilities and if suddenly the family loses a stay at home parent, 所有这些工作都需要别人来做.

全职父母需要多少人寿pp王者电子官网?

De术语ining 人寿pp王者电子官网 needs even for someone with an income is an inexact science, 对于一个没有收入的配偶来说，这确实是正确的. T在这里 are several important factors to consider when thinking about 人寿pp王者电子官网 for the stay at home parents. 您的保额将受到以下因素的影响:

• 你家里有几个孩子 – Child care costs will be proportional to the number of kids you have. 
• 生活方式 -无论你住在大城市还是乡村, 你的房子小还是大, you are planning to send your kids to private school or do extracurricular activities, you may account for things that you want your family to keep having in that case 人寿pp王者电子官网 is needed.
  
• 未来的工作 – If you are home for now caring for your kids but are planning to go back to work in the future, this should be taken into consideration when calculating the amount of 人寿pp王者电子官网 needed.
  
• 给家人的遗产 – Maybe you want to consider leaving an inheritance for your children when they are older, 或者帮助他们支付大学费用.
  
• 最终的费用 – 生活 insurance can definitely help alleviate the burden of paying for a funeral and all related expenses. 
  

By talking through these topics with a 状态 Farm® agent you will gain valuable insight and information to help you de术语ine the coverage amount that’s right for you. 无论是 术语 or 整个 人寿pp王者电子官网, having 人寿pp王者电子官网 protection can help the family when times are most difficult. 也可以使用我们的 计算我的生活 工具来帮助你决定你需要多少人寿pp王者电子官网.

获取报价 定期人寿pp王者电子官网 -如果您对其他生活产品感兴趣，请 联系州立农场的代理人.