Insure your stay-at-home spouse

Your stay-at-home spouse likely accomplishes a lot in a typical week doing several unpaid jobs. A 2011 Salary.com survey determined the average stay-at home mom earns $115,000 a year, working upwards of 100 hours each week in several key roles such as chef, housekeeper, and daycare teacher.

Because they do so much, a realistic life insurance policy figure to consider is roughly $1 million lower amounts like $100,000 invested at todays low return rates wont last long, especially when it has to fund all the jobs your spouse does.

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